All power to you friend. Nevertheless it’s best to be informed, especially when attempting to make a better alternative.

Unfortunately there is a significant security advantage in using Google Pay or Apple Pay which no one has yet mentioned. When you make a payment with chip-and-PIN using your physical card, your real card number is exposed to the merchant. The proprietary wallet services on the other hand use a device-specific token in place of the card number.

In practice, this means that if a retailer is compromised, there’s no usable card data to steal or clone, which removes a large class of fraud that still exists with physical cards.