I rooted my phone for years but the lack of contactless and trying to stay one step ahead of Google trying to stop you using it (frequent messing with shamiko, lsposed and all the rest, delicately doing updates, only for it to eventually fail randomly).
Being able to pay with your phone is just too useful.
Unfortunately not every country in Europe. Zero banks in Ireland have implemented SEPA Instant and transfers still take at least a day. Thankfully though they have a deadline to implement this that's coming up soon and will be forced to comply.