Here's why everyone should be using Apple Pay

I’ll just add: tracking, tracking, tracking.

The biggest reason people won't all use Apple Pay is that Apple tied it to their devices. In the US Apple holds just over 50% of the smartphone market, but globally Android holds over 70% of that market.

My Apple ID account was hacked by someone in China about 8 yrs ago. Took me almost 4 months to prove I was me to reset the passcode. Fortunately, I didn't save any credit cards or banks in my account. I only use pass phrases no less than 20 characters and upper- and lower-case letters, numbers, and special characters and I still got hacked. No thanks!