Goal: I don’t want to have to unlock my ipad as it never leaves my house (same concept as phone). However, when I want to make purchases I still need Passcode/FaceID for that.

Behavior: No matter what if you disable phone unlocking it automatically removes all credit cards and removes faceID entirely.

I’m convinced Apple doesn’t seem to allow you to do this and I can’t for the life of me understand why. Security wise I would still need to know the passcode/FaceID for the purchase so why do they COMPLETELY LINK turning off unlocking with completely removing all credit card data. The credit card data is already protected by your technology so you either trust it or you don’t Apple.