What app? Is there some Apple app out there that has even .001% of the country's restaurants' menus on it?
“Is there some Apple app out there that has even .001% of the country’s restaurants’ menus on it?”
Consider relevant precedents:
Facebook.
Twitter.
Google.
Yelp.
Amazon.
...and others.
Those services didn’t exist not long ago; today, they DOMINATE their sphere, knowing “everything”. Google went from nothing to a near-complete cross-reference of _every_word_ on the Internet. Facebook has 10% of the _world’s_ population as members. Twitter is huge. Amazon handles around 1% of USA retail sales. Yelp is huge. Etc. And each one has its own app...and is becoming integrated into the umbrella called iOS.
A great many restaurants already have their own apps, menus on line, allowing you to order & pay. If Apple doesn’t build such a service right alongside Pay itself, _some_ app will arise as the dominant aggregator of menus, notifying you upon arrival at a restaurant, showing the current menu, letting you choose, and handling the payment with just a finger touch. It’s just too darned easy, and profitable, and timely, to not happen.