You are absolutely wrong. Why are you thinking so incredibly closed minded? Why can NFC only be used for in-store payments?
NFC is a technology used all over Europe and Asia. Just to give you an example: for public transport systems.
Not closed minded. I understand that it's used in other areas, however we also know that we (US) are very slow to implement this type of thing. We have had bar code technology for years and it's a concept people are very comfortable with. The idea of "waving" or "tapping" hasn't caught on here at all. I once "tapped" my wallet at the McD and the transaction completed. The clerk insisted that I pay and didn't trust that I had because he'd never seen that before. This was a year ago.
I also tend to believe that the "terminal" and POS is dead or nearing death for most businesses. As for transportation, scanned tickets are the rule here. Bar code tech is just too prevalent and I'm assuming that while NFC does exist in lots of places around the world, bar coding is still the more prevalent tech.