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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.