We got folks everywhere using chip cards. I always hate it. Takes forever and I hate always being behind 'that guy' who has to redo it over and over again.I guess it which country you live in. In the UK and Europe as a whole we have been using electronic payment methods (chip and pin, contactless) for a lot longer than the US. In the early days of Apple Pay, it occasionally did not work. However these days, it works just about everywhere. it’s got to the point that I almost never bother to take my wallet with me and just pay for everything using the watch. I don’t even use cash anymore. COVID has accelerated cashless payments as many places now don’t like to accept cash.
What's rare (at least in Kentucky, it varies by state--in Tennessee, there are NFC readers at coke machines) is NFC itself. Even where it's active, apparently clerks don't know about it, or got false beliefs about it (managers yelling 'we don't take APPLE PAY!!!' even though the terminal shows the logo for Apple, Google, and Samsung Pay. But they say 'we never get our money! you can't use that here!)
In rural areas it's simple technophobia. Go to a gas station in the middle of nowhere near Marion, KY (where 'mechanic on duty' signs still persist) and attempt to pay your gas with your watch they tell you to leave as they think you're 'hacking'.