Yea, I’ll take a pass. Last week my mint condition $750 Smartphone just died, forever. If that was my money I would have been busted broke without anyway to buy a backup device. Dumb, this, use your phone for everything crap is beyond dumb. I pay my bills online, order stuff from non brick & mortar places like Amazon with my bank account (card), but I’ll stick with cash for all in person transactions. I don’t exactly trust banks that much, or need them or Google, or the government tracking all my purchases ether, so count me out in this crap.