Isn't it up to the vendor to implement their own encryption scheme for NFC ? and there seem to be 2 different use cases. I honestly don't thin there is any use

Isn't it up to the vendor to implement their own encryption scheme for NFC ? and there seem to be 2 different use cases. I honestly don't thin there is any use case yet for streaming large payload of data (or music ) via NFC. So bluetooth might be better compared to NFC for use case where NFC haven't been designed for. but in that case I could say that microwave communication is better than bluetooth