No matter how much, or how little money you have- making it a mindless wave of a phone to separate you from your money in dangerous. Pay cash people- you will spend less and have more in the long run...
It sounds like Apple may have solved the issue of integrating the NFC circuitry and transceiver antenna with the iPhone 5.
If the iPhone 5 does include NFC, it could single-handedly wipe out a lot of cellphone manufacturers in Asia in no time flat--mostly because NFC in Asia such as the FeliCa system developed by Sony are used on "feature" cellphones, not "smart" cellphones like an iPhone. I wouldn't be surprised that Apple is working with Sony to at least incorporate FeliCa NFC support right now.
I assume I could use this technology with my car in place of my keyless ignition.
Right now when I walk out the door I grab my phone, keys and wallet. It would be kinda nice to only have to take my phone with me instead.