Technology
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I mean I hardly use the tap to pay feature on my cards but I use credit cards for everything. Tap to pay is more secure so protects the banks more. Same reason we moved to chips instead of always using mag strips.
I've actually worked in smartcard issuance at some point and tap to pay isn't at all more secure than the cards with smartchips requiring physical contact and a pin code that the banks had finally gotten around to adopt after more than a decade of Visa and Mastercard trying to force them to ditch magstrip (which was laughably insecure).
Tap to pay actuall reduced security because it removed the "locked for anything with a key known only to the user" element and replaced it with a limit on losses (i.e. pinless payments are limited to a certain amount so losses if the card is stolen are limited) and replaced the physical connection requirement with a radio-range one which can be worked around with a directional antenna (something as simple as a pringles can).
Sure, it's better than magstrip, but then pretty much anything is better than magstrip.