"Hell, I'd even be willing to install their app if they did."
But that's where it all goes so badly wrong. Separate and incompatible apps for each and every store or business. We nee some sort of standardised system where you can use an app or whatever, anywhere, just like you can use a credit/debit card almost anywhere.
We all know why it happens this way. Each large business wants to collect as much data as they can, narrowed down to a specific person, and that's a bit harder to do on a 3rd party "open" and standardised system. It also allows you to go anywhere for products or services whereas a unique app gently leads you back to the same supplier each time because you don't want 300 payment apps on your phone.