>I don't have a credit card, and it feels futuristic to point my phone at the invoice and see it light up as "paid". Without typing in anything, without any risk of cc theft, without anyone in between. I think that is revolutionary, yes.

You've basically just said you use your phone as a heavier, battery-powered credit card. You might as well be arguing that you think horses are a revolutionary new transportation medium because they don't need gas and can obey spoken commands, and cars don't all do that yet.