... And I'll continue to refuse to use Walmart's stuff. I chose an iPhone explicitly because I wanted a platform with a single way to handle payments, subscriptions, apps, etc. Devs/merchants who believe doing their own thing is the way to getting my money are mistaken. That said - Are Apple's App Store and other fees a bit too high? Yes.
Fortunately for me the stores closest to me - Which don't include Walmart anymore (it failed and closed, in a suburb of a medium/large US city) - Are all plenty happy to let me hold my wrist out with an Apple Watch to pay using Apple Pay.