

End-to-end encryption matters if your device isn’t actively trying to sabotage your privacy.
If you run Android, Google is guilty of that.
If you run Windows in a non-enterprise environment Microsoft is guilty of that.
If you run iOS or MacOS, Apple is (very likely) guilty of that.
Back in the day, Walmart and Apple fought over contactless pay standards for the US.
Apple’s standard was eventually mass adopted, and since then Walmart has refused to license the tech. So you have to use their app, which uses their own tech stack.