Hello Donniemoore77,
Thank you for using Apple Support Communities. Sounds like you can't access specific apps and features on your iPhone. We'd like to help and see if we can recommend some steps to isolate the issue you're experiencing. Let's start off by checking your Screen Time settings for possible restrictions: Use Screen Time on your iPhone, iPad, or iPod touch - Apple Support
- Go to Settings > Screen Time.
- Tap on Content & Privacy Restrictions.
- Make sure that this feature is disabled and turned off.
Content & Privacy Restrictions can prevent you from access the Wallet app and also prevent you from downloading apps.
Feel free to keep us posted. Thank you for using Apple Support Communities. Take care.