I gotta say, I love my Apple Pay by watch! I really wish it were more wide spread. I really like the peace of mind that comes from not swiping the magstrip. It'll probably get hacked eventually, but for now I really wish it was on more gas pumps...
I don't have an Apple Pay enabled phone, so I don't know, but I suspect the ease of use isn't nearly the same. I still think it would be more secure, but the tradeoff versus pulling a card is smaller.
Not making assumptions about intelligence here. Credit card companies know a ton about human psychology and the fact that, on average, the less tactile a purchase is, the more detached people are from the actual dollars being added to their CC account. This results in spending more, which is exactly what makes CC co's money.
Then in the interest of protecting people from themselves, let's just eliminate credit cards, checkbooks, apple watches, etc. Only cash.
So sad that you don't understand personal responsibility. That you would condemn and blame a credit card or iPhone, or watch for making people spend more money than if they used cash is simply the desperate statement of an apple hater and basher. Surely you've sent letters to Master Card etc blasting them for making people waste their hard earned income on unnecessary purchases. For if you haven't but yet condemn apple, you are a hypocrite.
Both of these views can be simultaneously valid, you realize. It is true that companies spend a lot of time trying to manipulate psychology to boost sales in ways that aren't evident to the consumer. One of the ways credit card companies do that is to avoid triggering the parts of your brain that recognize you are giving something and tickling the parts that recognize you're getting something.
It's not about blaming credit cards, or Apple. It doesn't necessarily mean we need to shred every credit card out there, or ban Apple Pay-- as consumers we need to be aware we're being manipulated, and as a society we need to be aware of the dangers it causes. Depending on the economic footing of the society, encouraging growing consumer debt may not be a good thing-- it's about more than personal responsibility. This is a place where lack of individual discipline can impact the lives of others.