The thing is, that NFC is NOT like RFID. That's how the cards in Korea or Hong-Kong work, and that's how early contactless cards in the US worked. RFID is super easy to abuse, because you can just read what is on the chip and clone the card, even from a large distance. NFC however, is active - if you have an NFC reader, it will NOT be able to read your bank card, because you don't have an authentication key, so your card will literally not send you the details stored on it. I have personally tested this with commercial NFC readers - bank cards cannot be read by them, they only work with approved, authorized,and connected to the internet payment terminals(so they can get the auth key from the bank). That's why it would be very difficult to skim peoples' cards off the street - you most certainly can't do it without an authorized terminal, which means that to get one you would need to register with a bank,and give them all your details and such, which would make you very easily traceable.