If Google wants Wallet to succeed, it first has to ensure that money spent on playstore can be used by Wallet.

Their instructions are convoluted and unclear. So of you purchase one if those Google cards at a retailer, it can only be used for apps. You are unable to purchase minutes or anything else either, including Google Voice min!

Even worse, if someone transfers money to your Google Wallet, you are unable to use it with Google Voice either. You need to provide a debit or credit card!

If Google wont trust its on money payment option, who else should?

Before Google could compete, if first has to unify, simplify and trust its own economical system.

So I agree with the author, as its stands, Google Wallet will disappear and Apple will reap the benefits as more users will migrate to their ecosystem. Android's market share will decrease, So will Google's earnings. Thet need to solve this yesterday!