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Enough USD can support anything. And for privacy all that phone app stuff doesn't come close. Why degoogle just to throw yourself into yet another spyware app? Anyway the obvious competitor is Apple. Or you could use an ordinary credit card instead of a phone.
It seems like the question is ' can I use NFC without being tied to a major network?'.
Why bash that? Seems like a legitimate question to me.
I think the answer is you can't, with caveats, some prepaid cards might allow it, but you may not be able to do it on your phone.
I haven't had a bank account or credit card in a decade, so I'm with you on paying in cash. I also realize that doesn't work for most people.