I can easily ditch my VISA for Mastercard...very VERY easily. The are commodities. I can't switch from iPhone for Android for payments without a HUGE mess in my life. It's a captive market. Apple is leveraging the network effect to reduce competition to 0 on their platform, unfairly and limiting my choices. Just like they charge 25%+ of every piece of software sold on iOS, they could change from 0.15% to 5% whenever Mastercard and VISA are out of the game. This can easily be seen with things like spotify, that have NO OTHER choice but to charge more on iOS. Does this price difference make me switch? Not yet. I am still bothered by how Apple can be a dictator, and isn't forced to allow competitors to compete with them in the platform for things Apple doesn't want to share.
The SECOND I can ditch iOS for something I like (Android is still not exactly what I want) I will.
Using Apple pay is validating Apple's bully attitudes and abusing practices and the banks are not dumb.