I’ll be honest, I’m very confused about what you mean when you say that Google Wallet isn’t a thing. I pay with my Android phone everywhere, so ubiquitously that I’ve frequently left the house with just my phone and keys.
Do you mean America, where contactless payment is far less frequently accepted, or the concept of clicking on a “Pay with Google Wallet” style prompt on a website?
Sadly, I think this person is railing against “having more than just white guys featured” (as if that’s forced, when you start making games in new locations around the world) rather than the bland Ubi-style open-world map checklist that you might expect to be the sane complaint.