Oh, absolutely. Those are all pain points I've been noticing in my research, and we just haven't quite overcome them on a large enough scale. Yet. I'm also optimistic those are going to resolve in the next few years.
Hopefully the Bolt/Mustang crowd win the wars. I'm not an "app" person and will probably never be lol. Taking an extra 8 seconds to run my debit card + PIN is not an insurmountable obstacle it seems to be for the Tesla crowd haha. The only integration I want between my phone and my car is Bluetooth audio and handsfree. For everything else, give me tactile, physical buttons and keep the touch screens and tech companies far away.