>> "Phone comes out. Double tap home button. Damn, it just unlocked. Try again. Double tap. Fingerprint. Hold, recognised. Great. Hold my thousand dollar phone

>> "Phone comes out. Double tap home button. Damn, it just unlocked. Try again. Double tap. Fingerprint. Hold, recognised. Great. Hold my thousand dollar phone up to the reader. Vibrates. Works! Cool." You're doing it wrong :) You don't need to double tap the home button. Once you're phone is close to the card reader the Wallet will automatically open to your default card (it opens when you're maybe 10-15cm away). By the time your device is next to the reader it's ready to accept your fingerprint. The only time I do the double tap is when I'm using the London Underground so I can pre-authorise the fingerprint and get through the gates a bit quicker. I find it much faster than using my contactless card which requires me to get out my wallet, remove the card from my wallet (as I have multiple contactless cards), hold it to the reader, put it back in the wallet, put the wallet in my pocket. With the phone I pull it out of my pocket with my thumb resting on the reader, hold it to the card reader, and put it back in my pocket.