The beauty of China-style massive adoption of mobile payments is leaving the house without taking your cards or wallet or cash with you.

So kind of agreeing with you - Apple Pay is great because then I don’t need to take my card (whereas I’ll always take my phone) and it has added security of Face Recognition.

However, the poor adoption (ie, all those places that don’t have contactless, don’t take cards, money transfers to friends, parking meters....). Contactless vs ApplePay is 50:50.

If you have more than one contactless card, you’ll need to remove it from your wallet to pay. That’s slower (at least for me) than pulling out my phone, thumb primed on Touch ID so it’s already authenticated before I tap.

Plus, if my card is stolen, it can’t be abused on multiple cheap contactless purchases. Sure the bank will refund, but it’s still a pain of a process to go through, especially if the bank pushes back at all.