It would probably catch on more universally if Apple Pay issuers issued physical NFC credit cards as well. But the first generation of those cards gained such a bad rap that there is no way they're going to issue them again. Apple Pay is most likely our best shot at NFC payments at this point.
I agree. Though I fear it will be a slow up hill climb (5-10 years). The more people demand Apple Pay the better off we'll be.