> but bank cards will be obsolete soon too, replaced by the unavoidable user-tracking app. As bad as the tracking part is, we're already getting profiled and s

> but bank cards will be obsolete soon too, replaced by the unavoidable user-tracking app. As bad as the tracking part is, we're already getting profiled and sold based on card purchases anyway. Smart phone based payment does increase the amount of collectible data, but if it kills the practice of card skimming, that's probably a net win for society. I've never been hit by a skimmer and always tap to pay or check the terminal before putting my card in. Failing that, I use a CC where I can chargeback fraud and it becomes someone else's problem, rather than debit where the money comes off my account directly. I know people that have had their accounts drained by thieves using skimmer data, usually at gas pumps.