In reply to Mike W..

What are your reasons for the part of the statement '...and probably going to get worse.' Anytime something is new it takes time to catch on. Cutting down on carrying sensitive information, i.e. credit cards with credit card numbers on them or cutting down on clutter i.e. extra items in a purse or wallet, will prove to be a big benefit. Apple Pay is catching on faster then any other previous attempts; its set up to succeed, all they need is more retailers to jump on board and more consumers using the service (which will organically increase as awareness of the service builds and trust grows).