There are other options than the credit/debit card model. NFC secure area base locally stored accounts are a pretty good compromise for instance. The account i

There are other options than the credit/debit card model. NFC secure area base locally stored accounts are a pretty good compromise for instance. The account is locally encrypted, anonymous, with a ceiling on the max charge. You’ll pay for bread with no latency, and will only hit the network at charge time and/or if you need to for backup.