Take Apple Pay for example: The goal wouldn't simply be to have Ether stored in your Apple Wallet and transferring it to merchants with nfc The goal would be

Take Apple Pay for example: The goal wouldn't simply be to have Ether stored in your Apple Wallet and transferring it to merchants with nfc The goal would be using one of the blockchains to settle the states of all the transactions. As in, instead of your Apple Card using the Visa network, it uses a Optimistic Rollups on Ethereum, which would be able to handle similar transaction volume already. This means you can have representations of USD/fiat or even just stablecoins, or any other kind of contract settled with good enough proof for courts.