[w3c/payment-handler] Creating a "Wallet" using PaymentHandler? (#368)

It is clear that `PaymentHandler` should work for major payment providers like PayPal who have their own payment button in checkout forms.

Now, imagine a world with potentially thousands of independent payment providers.  Using the current specification this would force merchants relying on the browser's built-in selection mechanism.  Since each provider would need to supply their own `PaymentHandler` code, this scheme will likely contribute to _fragmentation_ rather than standardization.

This contrasts to native payment handlers like Apple Pay where a single instance of the client software can support multiple payment providers.

Example running on desktop browsers: https://cyberphone.github.io/doc/saturn/ui-demo

_Disclaimer_: I'm not an expert on `PaymentHandler` or `ServiceWorker`.

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