[kelnos]

As someone who has been building software for 20+ years now, I know how it fails and how it can make people's lives miserable. I know how developers cut corners and how quality always takes a back seat to other business concerns. I know how technology can erode privacy, or be used as a tool for governments to exact more control on their citizens.

I'm probably more skeptical of technology in everyday life than your average non-technical person.

> Apple Pay now works almost everywhere

I live in a city, and Apple/Google Pay definitely does not work anywhere near everywhere (even after more businesses went contactless due to COVID). I wouldn't think of leaving home without physical credit cards.

(I was at a bar this weekend. Ironically I could not pay my tab with my phone, but their photobooth took Apple & Google Pay.)

[oliyoung]

> I live in a city, and Apple/Google Pay definitely does not work anywhere near everywhere (even after more businesses went contactless due to COVID). I wouldn't think of leaving home without physical credit cards.

This isn't the case in some parts of the world.

In Australia, even before COVID, I could make 2-3 day interstate business trips with flight tickets, credit cards, public transport all my phone.

I rarely carry cash or even my physical credit cards, and haven't needed to for years now.