My biggest problem is that they don't allow foreigners to use Alipay or WeChat Pay outside of Mainland China. I'd love to be able to pay for things this way in HK or SE Asia where Alipay at least seems to be widely accepted, but for some reason they block me from doing this.
In China, I agree, if you don't have Alipay or WeChat Pay then you're setting yourself up for more hassle.