I guess it was unavoidable. I really liked that you didn’t need that complexity added to the charger but that was possible with a closed ecosystem. Now with so many 3rd parties joining the network, even if those 3rd parties are supposed to automatically work, I would guess Tesla is hedging that a backup payment method is required. Probably a good choice based on the software capability of legacy manufacturers, which can be pretty awful. This will prevent the supercharger for being blamed for 3rd party incompetence, or when the 3rd party has no backend infrastructure.
The game is finished and ready to play, I think that the reports of bugs are blown out of proportion having played it since launch.