people with apple pay carry a backup card, a samsung watch allows paying with magstripe emulation in case of legacy terminals. pre 2020 pandemic this was indespensible and there are still often inoperable nfc terminals and MST is a great backup.
I hate the elitism around the apple watch and its minor changes to standard health tracking wearable tech that has had normal LTE and other full phone functions from the get go... not to mention the ridiculous requirment that an iPad isnt enough to set up a watch, you need to buy into their phones.