Exactly. The OP is basically "and these are the problems I have because this technology is early-adoption" rather than "and these are the problems I had because

Exactly. The OP is basically "and these are the problems I have because this technology is early-adoption" rather than "and these are the problems I had because of fundamental issues with technology". As to the whole speed of whipping out the credit card issue - c'mon, you probably had to queue to buy your groceries, you could anticipate the need for payment a whole 10 seconds ahead of time and have your phone out already.