The example is a bit convoluted. Uber allows you to pay after the ride. I do it most of the time. There is also an option of paying via cash. I will be surpris

The example is a bit convoluted. Uber allows you to pay after the ride. I do it most of the time. There is also an option of paying via cash. I will be surprised if Mumbai airport dint have any options to withdraw cash from an ATM. Additionally, Paytm has seen people's money disappear from their wallets left and right. And now requires OTP if it detects that the login is from an unknown location. This secures people from getting hacked. Indian banks also do the same. I agree it can be a pain but sometimes security and comfort don't really align well.