I think this a huge ball drop by apple to not include this in the new iPad. Not because people would go walking around pointing their iPads at NFC readers to pay for stuff. I think that would be strange (although no stranger than using it as a camera). People would use it like that in a blue moon. The ball drop comes from the fact that many people use the iPad as POS device. To include NFC automatically expands the use of iPay stations and adoption. Not so sure about this Tim Cook guy sometimes. No constancy or thought sometimes.