[ShowalkKama]

>The real thing consumers get is fraud protection

I don't need fraud protection and the ability to charge back when lunch at a restaurant, I just need a skimmer-resistant payment method (which a phone is).

[apple4ever]

You do when someone else uses your card there

[ShowalkKama]

If the payment method is skimmer resistant then they cannot use my payment method...

Also my entire point is that I don't need a card, paying with an app would be acceptable.