"Can some please explain the appeal of Apple Pay & other services?"
I don't get it.... I've been carrying a wallet since I made my first $10 cutting grass when I was like 10 years old...... It's not an issue for me at all...
I don't even understand how these systems are supposed to work.
I had the Starbucks app on my phone for a while...but ultimately that shit is really more of a headache and cumbersome process vs just pulling out some cash or a credit card....