I'm confused. When I gas up my Prius I pay with a credit card. It isn't hard. What's the problem with needing a credit card to pay at a charging station? Requiring an app is stupid, but inserting the card takes a few seconds.
The other problems (limited locations and hours, broken charging stations) are real ones, but I don't think this is.
None of the alternate charging solutions I've seen are just swipe a credit card. They all want some way to notify you back when your charge session is nearing completion, or if you get unplugged unexpectedly. They also want the data on your usage individually identified, so they can sell/mine it.
They do that with an app, or a fob or whatever, but it's all way more involved than just swiping a card.
It's a "real problem" in the sense that it exists. GP forgot "you need to be a member of our petrol club to fill up" as an added issue.
Some of this is due to the slow speed. If it took 45 minutes to fill-up your car, then you might want to get a notification of some sort if the pump shut off only 5 minutes into filling. Really that could be solved by punching in a phone number and getting an SMS though.
I've never seen a charging station with a place to swipe or dip a card. Maybe they can tap to pay, but I've never tried. (I drive a PHEV, so if it's hard or costs a lot of money to charge, I'll just use gas)
The other problems (limited locations and hours, broken charging stations) are real ones, but I don't think this is.