No, instead it exposes your payment information to Google or Apple.
I don't know about Google wallet, but Apple doesn't have anyone's ApplePay information. It's stored on the device.
From https://www.apple.com/apple-pay/:
Every time you hand over your credit or debit card to pay, your card number and identity are visible. With Apple Pay, instead of using your actual credit and debit card numbers when you add your card, a unique Device Account Number is assigned, encrypted, and securely stored in the Secure Element, a dedicated chip in iPhone, iPad, and Apple Watch. These numbers are never stored on Apple servers. And when you make a purchase, the Device Account Number, along with a transaction-specific dynamic security code, is used to process your payment. So your actual credit or debit card numbers are never shared by Apple with merchants or transmitted with payment.
I agree 100%. Recording advice for specific situations is an Herculean task...
What I would recommend is gathering up some good books and movies, or a list of them, that you would like to share with her. She can then watch or read them in her own time.
Top Ten Things Overheard At The ANSI C Draft Committee Meetings: (5) All right, who's the wiseguy who stuck this trigraph stuff in here?
