Sometimes you don't get a choice, which is even more frustrating.

We got an admittedly very good deal to switch cell carriers. Part of that deal was receiving a debit card with my phone's trade in value loaded. That card turned out to be digital. I put it on my phone without thinking too much of it. However, given my lack of experience with Apple Pay, I didn't realize that I now didn't have access to my own card number. When I try to use the debit card, I am asked for a PIN that I've never been given an option to set up. When I call the card provider, the automated system demands a card number. Which I don't have.

Granted, it was my ignorance as a user that is responsible for some of this but it's pretty clear that the lack of access and support is intentional.