Well, because it won't be signed by a trusted CA for that task. Like if CAs had a category of certificate issuance that applied here (the standardisation issue) then it would be easy to spot a fake (which wouldn't be correctly signed). Alternatively, you could take the European approach of having everything government related (like public street parking, though Europe mostly uses apps for that, not signed QR codes) rely on government entities and those in turn on a national set of government CAs.
If it becomes standard for public parking to be signed, everyone would know. If payment QR codes in general start being signed, your payment app might even know. Lastly there could even be signage by the code to help novices.
It wouldn't need a separate app if, for instance, a standard QR payment format way created. If you just want a link to a website to pay, then naturally that would be less secure, but you could always put the URL below the QR code for redundancy (QR would only save time typing then).
QR codes are mostly meant to let you get an amount of info (they're mostly text-based) without having to type or enter it manually when you might make mistakes or when the process is just faster for the amount of text involved.
Yeah, I know. Why would anyone ever use them if creating one required a certificate? If the certificate was so cheap as to not be an obstacle then it wouldn't be a deterrent to malicious replacement of codes either.