I've had no issues with my phone in regards to accidental touches.
I have the relevant settings toggled On and my screen time out is at 2 minutes.
I regularly use Google Pay to make purchases from various shops and I use various apps to make purchases too @Richy951811
Just used my McDonald's App this morning to purchase a rather nice Latte.
Daily Driver > Samsung Galaxy s²³ Ultra 512Gb in Phantom Black.
The advice I offer is my own and does not represent Samsung’s position.
I'm here to help. " This is the way. "