Why does Apple Pay require credit cards?
When I search online for instructions on how to pay with Apple Pay, I get something like "choose which card you want to pay with." I don't want to pay with a credit card. I want to use the funds I have in Apple Pay. The only place I've ever been able to do this successfully was at the Apple Store. Why does Apple require me to have credit cards verified on my Apple Pay account, and what can I do to simply pay directly from the funds in my Apple Pay account? (I don't have an Apple card and don't want one, unless that's what it's going to take to free up my Apple Pay cash.)
iPhone SE, iOS 16