Re: Credit card: I own one, I can hand it out. Most of the information necessary to use it (name, number, CSC) are available if you hold that card for a second.

My (honest, I'm not trying to pull your leg or anything) question is:

I have a phone. I own it. You (payment provider) cannot control it and I might do stupid things.

I have a credit card. I own it. You (card issuer) cannot control it and I might do stupid things.

Where's the difference? How can CCs work, but Android Pay/Samsung WhateverWhyWouldIUseIt doesn't, given my current impressions above. Can you correct my errors?