I don't understand the derogatory comments about people owning smart phones. It's worth carrying around for the fact that it's a portable GPS with constantly updated locations. I also have apps for every store, so my member card is just a tap away from being scanned. My wife and I use the Alexa app to update our grocery list. I refresh it before I leave the grocery story, just to see if she's added anything and forgot to text me.
I feel like it's the luddites who refuse to change who can't see the benefit of a smart phone.
With that said, there are people who do nothing BUT have their face planted in their screen, oblivious to the world around them. I feel like these people are pretty much predestined to be like this anyway. You know, the person who might walk in front of a car because they're not paying attention, cause an accident on the road or nearly do so, etc., all because they're dumb, not very observant, have poor situational or spacial awareness, etc. Add a shiny object, like a smart phone, into the mix and that person's poor habits/capabilities are amplified, usually for the worse.
//
I just started using Apple Pay a couple of weeks ago. I even ordered the card, though that was more for the novelty of it - I don't plan to carry it in my wallet ever.
What Apple Pay and the card do offer me is 2% cash-back where ever I use it, and this cash-back can be redeemed daily. That's very good. I wouldn't use either if it weren't for the 2% cash-back. I also use Apple Music and iCloud, which offer 3% cash-back.
As mentioned, I don't have to wait to redeem the cash-back. I see what I've earned very soon after each purchase and can transfer the earnings to my checking account whenever I want, unlike some cards, such as my Wells Fargo Cash Wise card, which requires redemption in $25 increments, which is annoying.
ALL of my cards, except the Apple Card, make me wait until the end of the month to see what I've earned and redeem my cash-back.
//
Regarding PIN's and a bit of an off-topic response to an earlier post:
I use LastPass to maintain VERY complicated passwords for every single site. It auto-populates my passwords and I'm in (unless I have two-factor authentication enabled, such as for my bank account and cards). I also add my PINs and other important notes in there. All of this is encrypted. The benefit of having different, complicated passwords for every single site I visit, which I DON'T have to memorize, AND that my wife had access to all of this, in case something happens to me, is worth the potential that LastPass could get hacked.
LastPass (and others) can be shared across platforms (my wife and I use it on our laptops, the main PC and on our phones = every single password for every single site is always available). She could log into BITOG and post as me, if she wanted to, so, if I died and anyone here cared to know.
We just need to memorize one strong password.
