@TheBenFNC- Well, that's my point. Apple has a history of being visionary, as in past tense. Now they're just another phone company with good stuff and bad stuff.
But the "Core phone" thing for me is about what the OS of the phone, not another app that does another thing. But even if you count it, it isn't as though Google Pay is the first wallet app on Android. Rebranding is not the same thing as being behind. Truthfully, neither Google Pay/Wallet nor Apple pay has been all that successful. I think people aren't real fans of paying with their phones yet. I also think that there's just as good a chance some 3rd party app could beat both of them in the end.