> It's always "maybe later" and never "no seriously, I don't want this, go away"

No? When I'm asked about Apple Pay on an iPhone, it says "Maybe later". In the Settings it has reminder, and if I go in and say "No" it never pops up ever again (maybe on a iOS major version upgrade?).

Generally with Apple it's one "Maybe later" with a reminder flag set someplace, and then that's it.