That may be the situation in Silicon Valley, but try going to somewhere like London, where you're in the minority if you're not paying with a contactless credit

That may be the situation in Silicon Valley, but try going to somewhere like London, where you're in the minority if you're not paying with a contactless credit card (let alone Apple Pay). A table of 4 splitting their bill at a restaurant just involves each person tapping their card once when the waiter brings the card reader, and then walking out.