"No need to wonder around the room, bumping phones..." - Craig Federighi, 2013
Wander. And you don't have to "bump", just get very close.
Using NFC when next to someone is handy because you don't have to know any other information, like emails or phone numbers. Proximity and an "I agree" button replace that.
When my Android owning kids are visiting, we use NFC all the time to instantly exchange web site urls, photos, and directions, while we're sitting next to each other on the couch.
Moreover, it's just one of several different ways for exchanging information. Obviously if you're not next to someone, you'd use a different method.
I have never seen a single person paying with NFC, not ones!
Depends on where you live and what your needs are.
When my daughter lived in Florida with a toddler, she loved NFC. Baby in one hand, phone in the other... so it was much easier for her to pay for gas, fast food, groceries, even Home Depot by using her phone.
The problem with NFC is that it does not identify you as a payer, ...
Credit cards (especially in the US) don't identify you either, yet we use them all the time. At least with NFC, a waiter can't write down the numbers and sell them. And with NFC, there's usually low limits before a PIN is required, vs the fact that someone can spend hundreds of dollars with a credit card number.
Either way though, the CC company eats the cost of an unauthorized transaction, so no worries for the user.
Integrating NFC into the iPhone 6 would be a bit of a surprise move by Apple, as the company's head of marketing Phil Schiller stated in 2012 that the technology was "not the solution to any current problem."
Not that much of a surprise. History is full of examples of Apple dissing something, that they later sell themselves.
As for NFC, it never seemed likely that Apple would implement it until they could figure out a way to get a cut of every transaction.