Gasuky There is no NFC payment app that doesn't collect your data. And there are quite a few people who use those apps and, at the same time, GrapheneOS. It's something I don't quite understand. I'm on GrapheneOS to safeguard my personal data as much as possible. If I don't mind giving my personal data to an app that collects and shares it so I can make NFC payments, why don't you just reinstall the original operating system on your Pixel?
Personally I don't use my phone to pay for things, or want to. But I can easily imagine that somebody might be willing to provide payment data (which includes location coupled with timestamp when paying) but unwilling to provide a complete 24x7x365 location track, plus a stream of data about which Bluetooth devices are nearby, plus a large company's "digital assistant" listening to all conversations in one's home, plus many other things.
I don't think it must be "all or none".