Ideally yes, but there are very good reasons for the app. Mostly because charging can be a relatively long excercise, apps let you monitor the process while you go eat or walk or whatever. The apps also let you check in advance if the chargers are working or occupied, avoiding the need to stop if you know its not available (or stop earlier if there is another option).

Getting charging down to a 5min process would solve both of those usecases somewhat, but there is still the broken charger issue.

You can setup an rfid card to do the paynent, but thats just linking a card to your app account. One card can support multiple networks though.