That's certainly part of it, but I'd use any mobile payment app, not just Googles one, but there's basically zero competition there. Some banks apparently had their own mobile payment support briefly, but it seems like just about every single one of them has removed that feature and replaced it with a wrapper around Google Pay.
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The DNC needs to just finish the slow metamorphosis they've been going through for decades and finally merge with the RNC so we can get a new actual opposition party. It's looking likely that that new party would end up being the democratic socialist party.