1) Well, if you don't buy it then I don't know what to tell you. But I am constantly forgetting my wallet and cards, while I rarely if ever forget my phone. Tim Hortons app has been my only option to pay for lunch more than a couple times.
2) Nobody (or at least hardly anyone) is advocating eliminating hard currency or credit cards. Phone payment is just another option. Why do you see this as an either/or situation?
3) Google is not the only player in this game, and even then I don't think I share your concerns. Ad targeting based on purchase history has been a thing for many years at this point, and it's never been an issue for me. If it was though, I would just switch to Apple's solution.
2) Nobody (or at least hardly anyone) is advocating eliminating hard currency or credit cards. Phone payment is just another option. Why do you see this as an either/or situation?
3) Google is not the only player in this game, and even then I don't think I share your concerns. Ad targeting based on purchase history has been a thing for many years at this point, and it's never been an issue for me. If it was though, I would just switch to Apple's solution.