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I don't like taking out my wallet and dicking with cards mixed with insurance cards and IDs and other stupid things I need to keep on me in case I'm stopped by the gestapo.

My phone is already out anywhere I'm buying things. Makes sense to pay with that instead of fishing for something else.

Though I take your point about the backup options of swipe and chip, I'm guessing some Stratford mugger is just as happy mugging you for your wallet full of credit cards and cash as they are to bash you over the head for your iphone.

You use your fingerprint to activate the NFC, so they'd have to bash you over the head and cut off your fingers presumably.

what do you do now when the credit card machine isn't working? There's always going to be a point of failure.

Actually, if those card machines are out of order, merchants can use an old fashioned imprinter device so they can send it in to get paid for it...

That's true because Androids are not worth anything for resale.