I think if you had $500 plus dollars they'd take the cash over the phone. Especially if they're fandroid muggers.
I don't carry around a lot of cash, which is why I carry around a credit card. It takes me less than 10 seconds to remove it from my pocket and press it against the sensor for immediate payment.
The best part? You don't need an iPhone to use it...
I have yet to meet a single cashier that can remember my full name from a cursory glance, never mind the 16 digit number. Even if Apple Pay was available in Canada, I'd still use my credit card -- just as secure, and a heck of a lot quicker.
There is truth to this statement. Using a CC seems faster. More secure? Not sure I care since I can dispute any charge made to my card. Until this changes, I think I'll stick to my CC.