In Los Angeles, I tend to avoid places that don't take Pay, and on a more granular level, MasterCard (Apple Card). If I have to pull out my Ti Apple Card or another credit card (i.e., Visa), it's usually the last time I visit (sans Costco).
Plus, fewer and fewer ppl have used cash since the pandemic started so it was a natural fit. The only exceptions for me now are Costco ( Pay + Visa) and maybe a restaurant or two that I like (w outdoor seating). I always ask before I sit down, "Does this restaurant take Pay?" and 90% or so of the time, they say "Yes" or "Yes, of course."
Most restaurants that take Pay will often have you walk with them to the POS terminal to handle the transaction, takes no time a tall; others will bring you a small smartphone-with-a-receipt-printer-bolted-on portable POS terminal and you can handle it at the table. Those "Ziosk" terminals almost never take Pay but only card + chip; I've only seen one that took Pay. Nearly all of the food food trucks take Pay but nearly all of the fruit carts are going Zelle or Venmo (cash is still king, though). Hell, even the little panadería down the street from me not only takes Pay but has done so for years. Car washes now take Pay (even the coin-ops) which is kind of nice. Even Target and Kohls take Pay!
Walmart + Sam's Club aside, places that do not take Pay are few(er) and far between. The last one I was at was Lowe's and they explicitly stated (w signage) "no tap or Apple Pay." I asked why, the rep said it's because they haven't updated their terminals yet. --That was only a few weeks ago.