[overcast]

You don't have to hand anything over with near field stuff. You put it near it, ding, done. Saving you 5 minutes + time it takes for you to exchange cash. If you're dealing with a waiter for lunch, you're already wasting a ton of time.

[Retric]

The trade off on what food I eat is not a waste. Wasting time on slow payment methods when better options exist is.

Near field is also limited by transaction size so it's far from sipe for anything.