"if we build that feature, we'd have to own it."

"You're right, keep it on the 2028 roadmap"

That would be my experience in tech at least.

"and very good reasons for not implementing Apple Wallet"

Judging by the screenshots, it looks like a thin wrapper around a mobile-optimized web site, or at best something like Flutter, so the likelihood that they have in-house developers that are sufficiently versed in the dustier corners of Apple's APIs is slim.

I’ve always used the physical PIN code to get in because I just instinctively don’t trust the app to load reliably; never felt so validated

Did I interpret correctly that this sends a push notification every minute telling your phone to download a new code? If so, that seems like a battery problem…

on security theater: the morons running my garbage company demand not just a email + pass but also security questions in order to login and... pay your bill. That's the functionality available.

Example security question: favorite book. Which is, naturally, case sensitive.

Someone wrote this to prevent people from stealing my password and paying my bill.