Don't you have to type a pin in the US if you make card payments above $75 or so? We do here in Europe. I don't with my mobile payments (tokenised) because I already authenticated to my own device.

This is a really big benefit for me to mobile/watch payments. I don't have to type my pin code on a device I may not trust. I use my biometrics so people don't get a chance to shoulder-surf my pin code. Also, I get a instant notification of how much I actually paid. I don't get that when using the card.

Seeing today's Ledger supply chain attack the concept of compromised payment terminals is a lot less academical now.