> yes, I can use an app to pay

So you move the power from two American companies (Visa and Mastercard) to two American companies (Apple and Google)? What's that supposed to solve?

Also, fuck apps. I had to set up an app for my mother to recharge her new hybrid car and I am not joking: at one point I had to create a log in for her and was greeted by a screen with two options: Log In (blue button, white text), and Log In (white button, blue text). I would rather use cash than an app (and I'm in Belgium, carrying around cash is like herding sheep through coyote territory).