We find that there is a amount limit on tap and go cards. Where we live, and certainly where we have traveled. Not certain if it is the vendor or the card issuer that sets those limits.
It seems to vary by vendor. Some places, like Costco accept tap and go for $200. Some smaller stores seem to limit it to $50.
There have been a few times in restaurants were tap and go was not accepted because of the dollar amount. I had to input my PIN.
We only use tap and go for our credit cards. Our debit cards are chipped but we never use them for tap and go. Or for purchases...unless we have no other option.
It is unclear to me what the big issue is. We have had chip cards, pins, and tap and go for years. At least 10. Tap and go for at least 5-7 years. Used all three internationally....in some of the most obscure and surprising back of beyond planes.