I’ll be honest, I’m very confused about what you mean when you say that Google Wallet isn’t a thing. I pay with my Android phone everywhere, so ubiquitously that I’ve frequently left the house with just my phone and keys.
Do you mean America, where contactless payment is far less frequently accepted, or the concept of clicking on a “Pay with Google Wallet” style prompt on a website?
100% agree, other than the ratio of countries that can legitimately create a PSN account (and/or buy the game).
Otherwise, seems just like the Games For Windows live stuff that people didn’t love but certainly didn’t care this much about.
E.g. Fallout 3, pre-goty.