crackersa
Honorary Master
Music streaming certainly does count against your data for most cellular plans in the US. Telkom in SA DO have a plan which includes uncapped music streaming from Apple Music https://secure.telkom.co.za/today/shop/plan/telkom-lit_2017/
Not sure what relevance the banks not supporting Apple Pay has to do with whether the watch has cellular? In any event you can make use of Apple Pay on the Apple Watch without a cellular / wifi connection. https://support.apple.com/en-us/HT205547
So literally nothing in your post is correct.
I had to get my bank to authorize the use of my card on Apple Pay. That’s in the US.
He’s probably staying that banks in SA don’t support Apple Pay.