Some manufacturers like Xiaomi already have a very annoying flow for enabling developer options and using ADB. You need to have a SIM card inserted, need to create a Xiaomi account and there's several popups with timers you have to wait through.
Well it's not exactly secure by default. I was deploying an app to a new server and some bot grabbed my .env file before I finished the Apache config.
Ultimately it's my own stupidity, but you don't have to worry about that with most other languages
I've just used this in Malaysia, they have a card called Touch n Go that is very widely accepted.
You can load up the card using cash terminals or via a smartphone app with NFC, you can use that to check the balance as well