While this is not a massive inconvenience for the most part, it is something to be aware of. Those with a fingerprint sensor enabled as secure lock option, this is not an issue. For those without a fingerprint sensor in their phone, they have to choose between the PIN, password, or pattern options.
Google is also taking this requirement seriously, saying that they will wipe the Android Pay account of all cards if someone tries and sign-in but do not setup a secure lock screen.
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