When Apple launched Apple Pay in 2014, at an event 10 years to the day before this year’s iPhone launch, Apple promised the feature would “change the way you pay.” The company didn’t just let you save a credit card number on your phone; it let you pay for things with a single tap by transmitting information through an NFC chip. Apple was so bullish on mobile payments that Apple Pay was even one of the key selling points for the also-just-announced Apple Watch.
A decade later, Apple Pay is everywhere. You can use it to buy groceries and coffee; you can use it to ride the New York City subway or rent a Lime scooter. You can use Apple Pay and skip the whole multipage checkout process on lots of online stores. You can use it on your phone,…