scatters parent
Having location history means that Maps knows places I visit often, so they're highlighted on the map and in the search box, saving time if I want to navigate there or find out opening times. It speeds up time-to-fix with GPS. It allows Google Pay to have the supermarket loyalty card ready when I get to the checkout. Little things like that.
Last time I checked, Google Pay stores your credit card number in the cloud, which is not necessary. Both Apple Pay and Garmin Pay only store the card in an encrypted form locally.
So giving Google my location history so I can also give them my credit card numbers when they don't need those either is not considered a feature.
I use Google Maps frequently and have been bothered by any behavior changes there. My home address auto-completes easily enough and in some contexts Google clearly does seem to know my "Home" address (which I'd tell them if they just asked if they didn't want my lifetime location history along with it).
Google pay works on many different devices, something apple and garmin don't need at the same scale. I have google pay on a couple different laptops, phones, and tablets and wouldn't want to re-enter details 10 times.