Re: [w3c/payment-request] Change of approach for gesture to invoke Payment Sheet (#834)

@mattsaxon, your proposal is interesting (kind of "ambient badging" for payments 🤔), but IMO it falls outside the scope of the spec because it deals specifically with UI/UX issues. 

I absolutely agree that there needs to be significant work on the part of browser UI/UX teams to make presenting the payment sheet experience much less jarring (we found the same thing at Mozilla in our own testing in Firefox). This is a new UI component for the web, and it's going to take a lot of refining and getting used to over the next few years. 

Thus, I think it's too early to look at changing the spec and we need to let both merchants and browser vendors work together to refine the experience... possibly in the manner you propose, with the "Try faster checkout with Foo-Browser-Pay!".  

Using the `.hasEnrolledInstrument()` (pull request #833) might give merchants more confidence, because they will at least know if the user has gone through the pain of at least having set up a card once and possibly seen the UI. 

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