We really need to move away from the idea that a user having control over his/her device is insecure.

I can use online banking and paypal with windows logged in as administrator or GNU/Linux logged in as root[0], why shouldn’t I be able to use google wallet pay wallet with root?

[0] yes I know you shouldn’t log in as root, but that doesn’t change that you can do it.

I’m not even rooted and gpay keeps breaking on crdroid for me, despite passing safetynet. I’ve given up and just got another credit card that I can use with my garmin watch that works every time without the hassle.