I carry a phone everywhere, but all the apps companies want you to install seem to add more friction if anything. Like, I have a credit card, why the heck would

I carry a phone everywhere, but all the apps companies want you to install seem to add more friction if anything. Like, I have a credit card, why the heck would I use Apple Pay, let alone some store-specific payment app? Even if there's some fancy digital restaurant line system, that works via SMS, I'm not installing the Olive Garden app.