Seconded. The NFC payment feature is useful on mobile in a way that generic "online banking" just isn't IMO. In the same category are transit apps, ride-hailing apps, social messaging, and a (very) few other others. The problem is that payment really does require a secure stack, as you describe.
I prefer to use an actual credit card, in order to keep the control over my computing in my hands.
Indeed, I do too. But since you always need at least one backup means of payment, I keep a second virtual card on mobile for that. Which alas is a very convenient solution.
Why can't you have two plastic cards from two different banks?
I find that cards are a PITA, mainly because they're always expiring and I tend to change physical address a lot.