I have come to terms with not being able to use T&P. Annoying given this was a nice selling point for the phone and having it yanked away, but that's fine. But given I also have a Wallet card, being able to use the app to load money is practically necessary when I am not at a PC.
It also seems like, even when doing a fresh install of the app, it keeps pulling the NFC enabled version going by the app name (see screenshot). Not sure if this is somehow related?