But you are not making sense. You said you had an identity theft incident in the past. If so, why wouldn't you embrace more security? Why would you say continuing as things were in the past (where you got burned) is better? Are you saying that you don't really feel (for some reason) that Apple Pay is more secure than the current 1960s era magnetic stripe technology? Or is it that you don't fully understand how Apple Pay works?
You are obviously entitled to your own choice, but you are not really expressing the basis for your choice other than either lack of understanding or fear based on lack of understanding. Right? And you came on the message board to express this -- no one forced you to.
Now this is logical for someone like you that had a security incident in the past:
https://forums.macrumors.com/posts/20104153/
Otherwise, you are pretty much saying as a victim of a crime in the past, I'm going to continue walking down dark alleys at night, with my headphones on, while drunk and carrying a wad of cash. Why would you continue what you did before that led to the crime?
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The same way things work now with your credit card. You get to the store and you see the sign sometimes that you can't use credit cards cause the system is down. Same thing. Just pretend your phone is your credit card. Everything works exactly the same (just with more security). got it?