well they are all going to eventually learn how share information, else I am quite convinced that some retailers are large enough themselves, and definitely in groups, to ignore Apple and some banks.

Actually I hope they do. I am aghast at how fast people will jump into something just because Apple's name is on it when we don't know all the catches. You are effectively paying Apple to make a purchase, one you could make without yet another party interjecting itself into the stream.

I do not like adding touch points. If it means I have to swipe a card, I prefer signing all receipts, instead of just having my phone I am more than willing if one less exposure is available.