The digital Euro seems still in early planning stages. It seems people want to plan a physical card for it, but whether online payments will work without a platform dependent app is unclear for now.

Wero however is currently only planned as an android/ios app period. There are rumors that a card will come but that's only rumors for now.

In your list of groups to be baffled about I would add journalists. You see many articles about Wero mentioning digital sovereignty, but have you seen any that criticize the required banking apps only being available in google's and apple's app stores?