I do now have Google Pay set up. Here is the story behind it. I tend to take my bank card with me when I go cycling. I stick it in a plastic bag with my mobile. Sometimes I forget to put it back in my wallet when I get back.
I was out shopping and realised I’d forgotten to put the card back in my wallet. When I got home I immediately set my card on Google Pay so I still had the ability to pay for things, even when I didn’t have a wallet with me.