You know that if someone skims your card and makes a fraudulent purchase, you will likely be able to get your money back, right?

Sure but it’s a major pain in the ass. Every time it happens I have to cancel my current cards, request a new one, find all the services I’m currently paying with the now cancelled card and update them to a different card while I wait for the replacement, and then maybe remember to swap them back when the new card shows up. It doesn’t happen constantly but if I use cards to pay they seem to get skimmed about once every year or two.

What do you think will happen if someone exploits a 0-day in GPay to do this? How could your bank know the purchase was fraudulent? At least with a card it is obvious that this can happen.

Literally never happened before, but same way they know a credit charge is fraudulent, I tell them. Also if someone found a 0-day in GPay I wouldn’t be the only one complaining of fraudulent charges, they’d be flooded with complaints.

If you care about “secure” payments that much, why not use cash?

Because that’s a pain in the ass. I don’t care about “secure” payments, I care about not having to spend days dealing with the aftermath of it. Paying with cash means I need to constantly go to ATMs to withdraw money, and if I’m doing that my odds of getting my card skimmed actually go up so it doesn’t even protect my from that.