This one seems harder to get right to me. The cards are stacked so that the card further down the screen is the top of the stack (the card overlap indicating which is in front of which). I would guess this was done because if you can only see part of the cards behind, seeing the top of the obscured card is more useful than seeing the bottom.

I could be missing something, but where there is no perfect solution, I want to be slower to say the option they chose is dumb.

Appeal to authority fallacy

Do you mean that I am falling into that?

Quite possible! Could you explain? I don’t see it yet.

I guess I just think of it as where there isn’t an obvious correct answer, best not to criticise another choice.

Especially when there seem to be inexplicable choices out there which should be criticised with higher priority!

I’ve just been participating in a conversation about the two different functionalities of the wallet app.

That seems clearer to me as an unnecessarily confusing experience.