Agreed. I now keep my cards inside a metal mesh inside my wallet. NFC is the last thing I want. Chip and PIN does just fine for me.
You can't assume that Apple will use NFC innthe same way it currently is used.
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Don't use NFC
Or don't turn it on until needed.
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Considering all the security problems with NFC that's the last thing I want near my phone.
It isn't a huge problem if it isn't activated. This can easily be addressed by Apple with Touch ID. Just because one company does so,etching stupid with MFC does not imply that Apple will.