Regular NFC(Visa PayWave/Mastercard PayPass) are limited to a certain amount per transaction(25 pounds in UK, not sure how much in US), and you can only do 5 until it asks for your PIN. So there is simply very little incentive to be stealing NFC data for those systems,because you can't use it to steal high-value items. With Apple Pay, you can pay for anything, and there is pretty much no verification. You can use any card number to purchase items in stores,so there is nothing stopping you from using a stolen card to walk out of Wallmart with a $1000 TV.