Ask HN: Do you actually use contactless payments/Apple Pay? If not, why not?

I travel around the world and am disappointed to see minimal use of contactless payments even in very developed areas. Checkout experiences are slow and less secure even as we already have the technology to do better.

Examples:

- USA: checkout line at Whole Foods in Mountain View: I pay in seconds with Apple Pay, people in front of me fumble with credit cards or cash. Everyone has an iPhone in their hands.

- Tokyo: people use Suica cards at train station turnstiles, but cards or cash otherwise. Most (all?) of these people are holding an iPhone or another NFC-capable phone.

- Taipei, Singapore, Hong Kong: same story. For a few months, Apple Pay advertisements [1] were ran in Taipei but I didn't see a visible change in consumer behavior.

When I do (rarely) see people using Apple Pay, people tend to rub their phone onto the reader, not realizing the operation is contactless.

If HN audience is representative of the most cutting-edge early adopter crowd, thought this would be the place to ask:

a. Do you actually use Apple Pay or a similar technology?

b. If not, why not?

c. Have you successfully converted a non-technical friend or family member?

d. How far away do you think we are from some sort of mass adoption and what steps (ads, consumer education) would it take?

e. Bonus question: receipts, ugh. How often do you decline a paper receipt?

[1] e.g. https://www.youtube.com/watch?v=C0fQkyon098