GNU Taler would be the future privacy-focused alternative if you live in europe. Only if EU sees the potential it has and decides to use it for the upcoming digital euro, that is. For now, you can either use cash irl and monero online.
The privacy GNU Taler provides in an online state is between normal card payments and cash, while offline usage is close to cash.
Afaik some banks offer tap to pay in their own banking apps. My banking app used to do that until they fully switched to Google Pay and stopped letting the users use the builtin tap to pay functionality.
Librewolf seems great but imo don't use it.
It's just pre-configured stock firefox for privacy. The exact same thing can be made possible with arkenfox's user.js. I fail to see a reason to use it just for some changed settings.
The best response to every insult is "ok". Say that and walk away.