I've been reading comments on various news articles and speaking to friends and they all say that they don't t understand the point of Apple Pay as they can just use their cards. Maybe it's just me but I find getting my wallet out of my pocket to be a huge inconvenience. I always have stuff in my hands which I have to put down to get my wallet out but my phone is always either in my hand (or my watch "on hand"). If I am driving and I stop at a drive through for example it is super inconvenient to get my wallet out as my wallet is full up and my jeans are tight (I can't empty my wallet although I suppose I could buy bigger jeans!). Either way having my cards on my phone and watch save me time and are much more convenient and ultimately that is what Apple Pay is about for me. Sure I understand some people don't always have their phones in their hands; some people only have one contactless card they can get out of a pocket in seconds; but I think if they really thought about it they would realise that using their phone would make it much easier.