Well, today you could be screwed on any device that can be used to make payments. This does not mean people will stop using a computer (or a smartphone) to pay

Well, today you could be screwed on any device that can be used to make payments. This does not mean people will stop using a computer (or a smartphone) to pay for stuff. You can't stop technical progress by being paranoid. Eventually all users will learn to protect themselves by limiting in some way the amount of money your smartphone can access per day or for a given transaction.