I had the same thought/question (here's to not seeing it get lost in the sea of petty bickering). My first thought was that NFC was included to allow iPads to be used as pay terminals (so they can't send payments but they could receive them).
That's actually a good guess. I wonder if it is for a future software feature that hasnt been announced and is awaiting the bigger iPad. It's strange that it's included when apple is only using NFC for apple pay.