How would Apple Pay be a big loss for her then? From her perspective it's no different to regular debit/credit cards
Because cash can be lost in the shuffle, and there is not necessarily a hard record of it ever existing.
If everything is on the level, then there's no loss.
Why would it be a loss, then? People using Apple Pay were probably paying with a card previously, not cash. Transaction fees remain the same, POS remains the same if it already supported RFID cards, interface remains the same.