You say "As for those who use Apple Pay “whenever possible, without fail,” according to InfoScout that figure only clocks in at 5 percent. Which means the worst case – Apple Pay has about 1.2 million committed super-users (1.2 million is 5 percent of 24 million)."

Maybe I am missing something, but I think it should be 5 percent of 3.6MM (the number of people that have used Apple Pay at least once) right? That would put the worst case down at 180,000.

Not so good, IMHO...