HN user
Most of the extra glyphs are for non-Slavic (Turk languages of Central Asia and Siberia). You see the same (and worse) in Latin Unicode pages — just look at how many variations of vowels 'a', 'i', or 'e' you have, consonants like 'c', 'z', 's'…
US consumers are too conservative in the way they expect payments to work—checks are still in circulation and “swipe & sign” has barely been put to rest (has it?). Any system like this would require adoption by a few diverse and large-scale retail institutions to make it worthwhile for consumers to use. Or else it would be a mere alternative to “PayPal me”…
Having seen a number of different gov websites, I think that gov.uk are the most aesthetically pleasant and UX-focused. I would only say that at times they are excessively verbose, but that is less of a design system fault and more from the "let's protect us from any liabilities and people making totally silly assumptions about what, when, and how we do things" department.