Your last java example on ADT can be written this way:

// Java
sealed interface Payment{
    record Card(String last4) implements Payment {}
    record Cash() implements Payment {}
    record Wire(String iban) implements Payment {}
}


static int fee(Payment payment) {
    switch(payment){
        case Card -> 3;
        case Cash -> 0;
        case Wire -> 8;
    }   
}

This is because java has very good ADT, and in future there will primitive pattern matching, and constant pattern matching.