You could very well be right, but I do not believe it. How many people do you know that went back to paying by credit cards or cash after they used their phone to pay for stuff? People will always select the easier path and cash is not it if there are easier to use alternatives. Majority of people do not care about privacy (eventhough they think they do). Just look at all that crap people post on social media. I am just a sceptic when it comes to majority of the earth's population making any wise choices :(.