Thanks LACAllen for your quick, thoughtful, and considerate reply. I know sometimes tone doesn't translate well in treaded posts on online communities, so let me preface by saying that these address some of my points, but take a lot of work to find and digest because they are geared towards product marketing rather than technical support. The overall intent of my comment was about transparency of changes to settings and other controls over end user experience across ecosystems and versions.
Let me assure you, I am not intending to be overly critical of Apple on this; I worked for Apple corporate during the early iOS years as the platform expanded from iPhone to AppleTV to iPad. And I more recently worked for a 3rd party Software-As-A-Service solution products company developing multiple iOS Apps for managing corporate content with different levels of access rights. So, I do know how didfficult it is to manage support content and present it to end users and keep it properly updated across multiple device types and ever evolving versions where configuration settings are constantly being moved or regrouped to be logical in the latest version. I know that Apple usually does this very well, but there has been so much consistent change and innovation in the iOS ecosystem lately, that maybe organization and flow of the connected parts is less clear.
Two simple suggestons from my experience: 1.) If the iPad iOS has a Settings panel called "Wallet and Apple Pay", maybe call out explicity in the iPad User Guide that "the Wallet App is not available on the iPad but driven via the iPhone/Watch checkout/payment experience, but Apple Pay is relevant on Safari for websites sites supporting Apple Pay as secure payment." Something simple like that in the iPad User Guide or better yet, on the actual Settings panel for Wallet and Apple Pay, would have saved myself an a few of my friends hours worth of searching, reading, and scratching our heads. And 2.) Why isn't there a support centeric explanation for what each and every panel and setting in Settings so that I could cick on anly of the listed items above and understand, for example, what "Managed photo editing" is (or whatever other setting) what are the 3 or 4 main configuration options are, and how if the behavior you are experiencing doesn't match with these standard settings you can determine if their is a MDM policy overriding them from the standard product? The MDM documentation is voluminous and way to technical for the faint of hear person who merely wants to know why they can't save a picture to their Photo Stream (maybe becasue the MDM restrictions placed on a beta version of their companys's new app failed to install correctly and continued to show up after being deleted because they left the company and unisntalled those apps, but the corrrupt settigns we reapplied after restoring from backups --true story).
Again, not a gripe, but just some feedback, for what it's worth. Thans again for your help.