I consider almost everyone really wants to earn more money, more easily.

I do not see any indication that Apple wants to get involved in adjudicating payment disputes for physical goods and services. That is high cost, high liability, low margin work. They seem to be perfectly happy letting the existing banks (aka card issuers) handle that, and getting a 0.15% cut for allowing their credit cards to use Apple Pay.

Apple has restricted themselves to being the payment infrastructure for only digital goods, and I assume that is because that is the cheaper, more scalable option.

As a side note, in the US, the proportion of sellers willing to eat the credit card fees has gone down every year, and seemingly at an accelerating pace. I have winnowed down my credit card usage to retail goods/restaurants/travel, because almost everyone else wants payment via ACH/Debit/Zelle/other option that avoids credit card fees, so I would be surprised if Apple would ever want to enter this market, given that even the 2% credit card fee transactions are not able to compete.

Never spent money on an app on my phone.

Buying apps is hardly "all activity on a phone". It's completely inconsequential to my spend since summer of 2008, when I began using Apple products. Maybe a couple hundred dollars in total app store purchases? It would make no sense for me to base a decision about devices I use day and night over that small amount of money (30% of a couple hundred dollars).