Sorta. Whomever does payment on your behalf has to be willing to extend credit for an immediate transaction while the very slow process of exchanging money happens at a delay. This is especially so if the transactions are international. I truly wonder how the phone with just an ordinary bank account does this. Is it Google/Apple who extend credit? If so, is that better?

Get a pixel. They are less expensive, especially at last year’s model. Way less vendor bloat. Easiest device to deGoogle, ironically. I’m running GrapheneOS on a pixel 7 I spent $700 a couple years ago. Get your freedom while you still can

Hell is fine if the alternative is an actual line editor