I took the plunge into 8.1. I went into Apple Pay and saw a message that i needed to set up an iCloud account. I don't use iCloud, I don't want photos and other things sitting somewhere on Apple servers. Just looking at the article on MacRumors about the man-in-the-middle attack from China, its another vulnerability and another way that malicious thieves or government can get your sign-in credentials and access your information. I was hoping Apple Pay would work without being associated with any account, but it looks like Apple Pay requires association with an Apple iCloud account. No retailer I purchase products from will be able to see my information, but Apple will be able to see it all. How do you guys feel about Apple Pay?