[marcobooth]

My parents could not text, could not make a phone call, couldn't use GPS before the iPhone. As soon as they picked up that phone, they could work it perfectly. Sure, the component parts of the solution were already there but that doesn't create a product that people use.

I should be clearer on the payments issue - this isn't a technology problem. All the technology is already there. But, I don't think Apple will serve as a what you would call a middleman They will create an experience that people can actually use. The component parts add up to nothing if no one will use them. Living in a market where NFC is fairly ubiquitous, I watch most people simply ignore it's there at all.

>Wearables have been around for years There is nothing truly compelling about any of the wearables I have seen or used over the last two years. I never said 'everyone' in the market was copying Apple. I think products like Pebble have done a great job. I was referring to the huge number of products thrown out by Samsung, Sony, LG in the last few months that give off a certain ring of desperation.

>it is rather incredible when they are given any. My guess is that the first company to move, let's say 50 million wearables, will be Apple. Pick any smart watch and try and sell it to a non-techie. Most people will not buy it. If those products were developed in a vacuum, away from Apple's influence, over the next few years I think people still wouldn't buy them. People value design, user experience mixed in with those new technologies. I don't understand how you cannot credit them at all. Microsoft had commercially available tablets long before Apple did. No one bought them. And most people aren't buying wearables and will not until Apple enters the market. You may call that timing but I don't - it's much more than that.

I acknowledge that payments are more ubiquitous than smartphones, tablets and wearables were when Apple entered the market. That does dilute my payments argument a bit. Maybe a middle ground can't be found here but to give them no credit at all seems rather ludicrous.