This is over simplified things.
Just give you one example. RFID is tagged to tng wallet. Physical tng card cannot link to RFID simply because it's not a cloud based card. RFID gantries are mostly in Selangor only. If I enter nshw from KL and tried to exit nshw by Johore where RFID gantries not available, I should be stuck. To use RFID, Singapore cars need to register and install the VEP+ RFID which is totally scrapped now. So how Singapore cars can have RFID? I don't know.
Since I need to enter and exit tolls without RFID, I can only use the physical tng cards which will works on all toll booths but not linked tng wallet.
So, I have to keep maybe RM200 on my physical tng card anytime.
If I need to activate tng wallet, which I still don't know how to do that with VEP+RFID for Singapore cars scrapped. Should I still be able to activate somehow, I will have to keep another RM200 on tng wallet which can only be used in Selangor. Them keep another RM200 on the physical tng card. That's a totla RM400 stuck in TNG. That's a big mess and toly unnecessary for most Singapore car owners. As far as I know, the only sure fire ways, that works for most Singapore, just junk the tng wallet and waste RM200 to be kept in the physical tng card.
Sorry, you are mod, please do not issue points to me, for just having different opinions than yours.
TnG card & its e-wallet app check many boxes~
its ezlink + toll + Paynow + Parking SG + book movie + food delivery (limited selections) + bill payment etc~