Just as a counterpoint -- not everything Apple touches takes over the world...
Apple TV for example. Moderately popular, but not the market leader by any stretch.
Edit to add another thought...
With the above examples it's important to remember that Apple didn't "take over the world" overnight in any of these categories. Widespread adoption occurred over multiple product generations.
I expect Apple Pay to follow this pattern. Usefulness at retail locations will be muted for a while and I suspect will uptick as retailers move towards EMV adoption over the next year. If ApplePay succeeds in achieving widespread adoption it will be a gradual thing over a couple of years.
I also expect to see a bunch of doom-and-gloom clickbait articles proclaiming the demise of Apple Pay when it isn't universally accepted by Black Friday.