I have degoogled but I find myself missing Google Wallet/Pay despite it being the worst spyware there is. I would like to have both my bus pass and card available on my phone in case I ever get stranded with out either. I've found this app but when trying to emulate a MiFare Classic, it emulated a MiFare Plus and when attempting to emulate a Visa or MasterCard, it just errors out and says to please insert the card.
I presume I need some sort of sniffer hardware like a Proxmark3 to get as much data off the cards as possible, though I'm not really sure how to get the data from there to an emulator on my phone with the intention of out and about.
Please only reply with genuine answers. Any shit about ToS or poor security etc. will be ignored.
No they don't. They know how much you spent, when and where. They have no idea what you bought, except it's something that is traded at wherever location.
You have to realise that it's easier to believe "Google is spying on your card usage" than actually doing any research or understanding how the technology works. This is the internet after all.