Hi. Apple'fied to the max at home. Was early iPhone user for a long time - went android for large screen 5 years or so back. Been there, done that. Back to an iPhone for the first time yesterday. Smaller, SE model. Really just need it for odd phone call, odd text message, etc. No fancy apps needed. BUT, I am curious about all these pay options. I have avoided applying technology to even debit cards where you can scan your payments with a swipe, I think it is? Always feared losing the card and someone else having a party on my swipes. Can someone please explain to me how I would not need to fear losing my iphone for the same to happen? Yes, I know, if lost i could turn off the phone, etc but in the heat of panic, we dont always think straight, remember necessary password to do so, etc. T.I.A.