The difference with Apple Pay is that somebody had to build it and popularize it before others would jump on board. It wasn't Apple's fault that your local Walgreens didn't support Apple Pay, but once the feature was available there was more pressure for stores to do so. Most folks understood this concept, and I don't think anyone was blaming Apple for offering a technology that few stores accepted. Nobody blamed Mastercard when Costco started only accepting Visa.I’m not so sure Apple really cares about that. They caused exactly that when they released Apple Pay back in 2014. At the time, only 3% of US retailers were able to accept it (this number was given in 2019 by Tim Cook when he boasted that by then apple pay acceptance in the US had gone up from 3% in 2014 to 70%). That meant many people added their bank cards to wallet only to walk into their local stores and be told they couldn’t use it yet.
On the other hand, Apple's retail stores are entirely under its control. Offering an Apple Account Card that's supposed to work in your local Apple Store but doesn't would be akin to any store suddenly being unable to process its own physical gift cards. I think customers would very justifiably blame Apple for that one ?
Apple cares very much about the customer experience when it's the only one responsible for delivering that experience.