Google has a lot of opt out controls to prevent personalized advertising. Other services are doing a lot worse. Google Pay is instant when using a debit/credit

Google has a lot of opt out controls to prevent personalized advertising. Other services are doing a lot worse. Google Pay is instant when using a debit/credit card and has great support. Setup is a breeze so even if it is canceled one day, which there is no indication of it happening soon, you really aren't losing anything.