Earlier quoted context omitted.
I think Wallet might be the most used feature for many on the iPhone, especially if they pay with their phone. What makes you think it's looking for a problem to solve? I think Wallet is great and the adoption in certain areas like boarding passes is almost 100% and it beats digging through email to find some pdf and zooming in on some QR code when you have to present it (Hoping that your screen doesn't rotate in the…
I guess I consider Apple Pay via Wallet, which I use, to be different from Gym Membership via Wallet, which just doesn't seem worth the effort? Maybe I'm unusual.
In a gym context specifically: a lot of gym wear doesn't have pockets. Being able to leave your phone and physical wallet at home or in a locker and use your watch (which you also use for workout tracking) for every membership card swipe, vending machine electrolyte/protein drink purchase, and gym class ticket can be very convenient.