This could well end up in quite the opposite direction. Whether its Apple, Google, or both, we have a device that acts as a payment tool, light switch, id card

This could well end up in quite the opposite direction. Whether its Apple, Google, or both, we have a device that acts as a payment tool, light switch, id card, all at once seamlessly. Right now that device is the phone. We are still in the novelty phase. It is as seamless as reaching in to your pocket and navigating to the needed app. It is still optional. You can still get printed boarding passes, and most people do. There will be a transition point where this digital "key" (I think this is the best term) becomes mandatory. Retail stores could eliminate shoplifting along with the checkout line. Airports, employers, government facilities, could exercise more precise control of who is on the premises. May be there are already places like this. Certainly you aren't calling an Uber anonymously.