It would be pretty wrong. Which is why that wasn't the statement. :) Especially for services like transportation, which are commoditizing faster than they're not, removing the need to create accounts and enter credit cards increases consumer willingness to try alternate services. For example, if an aggregator shows a Sidecar 2 min away and an Uber 10 min away, Apple Pay now makes it vastly easier for an Uber customer to try Sidecar for the first time.

Yes, though unlike the App Store, this will take much longer to unfold since there is so much infrastructure out of Apple's control. But Apple Pay should galvanize the payments and commerce industries, eventually leading to much greater competition among retailers and service providers -- and more benefits to consumers.