I was in the UK for over 8 months and never, ever, touched any "real" money: always used my iPhone or Apple Watch.
Coming in USA a month ago, cannot pay in many locations with what they in the USA call Apple Pay, and IF it was possible, I had to go to the counter, do the NFC move, but still had to wait, and sign!!! a piece of paper.
My god, what an idiotic '60's way of payment that is.
Note this is in the country which "invented" the iPhone and "invented" Apple Pay??? Really?
Then moving to Peru, and happily everything is normal again, like in Europe, being able to pay really everywhere with the phone or watch, without having to sign with a stylus on paper ("Yuck!!!")