Android offers the same thing. The point here is about the google pay services which is a highly priviledged service inside any android and so will be apple inside any iphone.
I don't think that's the point. Apple Maps app has the same location settings as any other map app on iPhone. I have it set to "While Using the App".
If you are suggesting that Apple tracks user location at all times regardless of this setting, then that's a different topic that has no substance in this therad.