I usually use the Canary build, and I'm a little confused based on the Insider blog post on how this works. It doesn't seem to just offer Zip as an option on any store based on my expeirence doing some Black Friday shopping today. If all it's doing is storing your credentails to an alternative payment system like it already allows you to store your credit card and prefilling it for retailers that offer this as an option, I can see the value of the feature. It'd be nice if they could do the same with PayPal or other services. But if the feature is now adding the option to use this service on websites that don't already offer Zip, I agree that is something that should not be enabled by default for all installs.