Re: [w3c/browser-payment-api] Payment app discovery (#155)

I am not sure these things are orthogonal.  That same 'unfair advantage' can be thought of as a barrier in that the default or easy behavior gets in the way of the normal process whereby you would discover a rich collection of options, including those that are offered by your bank and address the regulatory requirements in various regions.  

In other words, I think you are both raising important points.

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