Oh, what about security. The more apps you use, the more networks you need to sign up with and provide all sorts of data including payment details. In the current hacking climate where everyone and everybody is getting hacked, do you trust your charging networks to keep your data safe? And in the UK, it's not 4 networks, it's more like 20.
If you have an ICE vehicle, all this nonsense is irrelevant. You fill up and pay. That's it.
Nobody tracks where you filled up, and no unnecessary information was taken from you. Why can't we do the same with electricity? I vote Contactless, Credit Card and where possible, cash payments only. NO RFIDs, no apps, no mobile phones, no reception issues.