I've noticed some habit changes for me since the launch of Apple Pay I've been doing most of my shopping for food and essentials at Wal-Mart. I actually am somewhat morally opposed to Wal-Mart but I do have to admit the prices are cheap! it has really helped me save money. I have lunch at McDonalds most days of the week... our work does a weekly trip to a random restaurant and most of the time it doesnt take Apple Pay, but other days I find myself going to McDonalds most of the time. (I tried Subway but had very poor luck trying to use Apple Pay). I've started to order things off the McDonalds menu that I never thought i'd try. I've switched to only shopping at PetCo instead of PetSmart for dog toys. I'm starting to avoid other merchants that don't have NFC terminals... if they aren't willing to support the latest payment methods, why should I be willing to support them? Anyone else feel similarly?