You need retailers, event sites, etc, to be on board using NFC and frankly its not something the US is doing because the US carriers block it. The lack of NFC in the US has NOTHING to do with whether or not Apple uses it, the carriers do not want it unless they can control it. Verizon is being sued for blocking Google Wallet and their excuse is invalid on its merits given that Google Wallet and ISIS use the same secure section of Android. ISIS will never grow beyond its feeble crib because American's don't want to lose control of their credit cards, don't trust carriers with their purchases, I know I don't.
What would be beneficial is if the various CC companies worked together to create a common system as we have today with POS so we could actually use NFC enabled phones. But that won't happen either.