I'm both eager to see what they do and a bit afraid that their weight will stifle progress in that area (if only because any competing tech will have no chance

I'm both eager to see what they do and a bit afraid that their weight will stifle progress in that area (if only because any competing tech will have no chance of being allowed on that platform). Having a secure way to pay with your phone, without divulging your credit card number to the merchant, without the risk of having your card duplicated or robbed, would be a massive advantage. However, I'm a bit wary that Apple will be both too greedy and start behaving like a bully, if not toward its customers, at least toward the merchants. I also don't like Apple's paternalistic attitude toward controlling access to content it deems "mature". Will they prevent me from using their payment system for stuff they do not approve of? Like with the App store, will merchants have to bow to the mighty Apple and be forced to abide by its many rules -even the unwritten ones- to be allowed on their payment system?