Sure, there are theoretical attacks on memory, but they are far less relevant for security than the penalties I have to accept with TPM being widely established.
Not that there aren't different means, but TPM also creates unique hashes of your system which only reinforces the problems around fingerprinting.
> It's the exact system that enables wireless payment and other strong security features on your phone.
Phones suck as computing devices on every conceivable metric and are heavily locked down devices. And it is not true that you need a TPM chip to create secure transfers. I constantly do business transaction on my PC just fine.
You're thinking of SGX enclaves not TPM.
> TPM also creates unique hashes of your system
It doesn't. Your system creates hashes and appends to lists signed by TPM. And the point of those hashes is to be not unique, but verifiability matching known values.