&gt;I don&#x27;t have a credit card, and it feels futuristic to point my phone at the invoice and see it light up as &quot;paid&quot;. Without typing in anything, without any risk of cc theft, without anyone in between. I think that is revolutionary, yes.<p>You&#x27;ve basically just said you use your phone as a heavier, battery-powered credit card. You might as well be arguing that you think horses are a revolutionary new transportation medium because they don&#x27;t need gas and can obey spoken commands, and cars don&#x27;t all do that yet.