Using a tap-to-pay card would probably change your perspective. They were specifically designed to eliminate that usability nightmare. I find them easier to use

Using a tap-to-pay card would probably change your perspective. They were specifically designed to eliminate that usability nightmare. I find them easier to use than Apple Pay (because Touch ID only works about 90% of the time for me), and certainly easier than scanning a QR code (look at the queue of people struggling to enter any concert with electronic ticketing). The only downside is that you still have to carry a card.