For a new payment product, you always have to ask, how much better is it than the current solution? So when we started Paypal, for eBay micro merchants, it was much better than getting the 7 to 10 days process of cashing a check in the mail. When you look at stores or physical worlds, places, a lot of these places are already set up to take cash or credit card. Apple Pay may be an incremental improvement, maybe a little bit better. But when you have something that's pretty good and you go to something that's perfect, sometimes it's very hard to drive adoption because the delta is not that big.
Upton Sinclair
Consider Christmas - could Satan in his most malignant mood have devised a worse combination of graft plus bunkum than the system whereby several hundred million people get a billion or so gifts for which they have no use, and some thousands of shop clerks die of exhaustion while selling them, and every other child in the Western world is made ill from overeating - all in the name of the lowly Jesus?
