Yup. I use it everywhere I can, but it's still a very small percentage of the places I shop. And I live in a major U.S. Metro area, shopping at very normal plac

Yup. I use it everywhere I can, but it's still a very small percentage of the places I shop. And I live in a major U.S. Metro area, shopping at very normal places. I also run into stuff like Subway keeping the terminal behind the counter, so if I want to pay with Apple Pay I have to ask the employee to slide it over to me. It's a gamble whether they know what I'm talking about or not. It's easier to just give them a credit card. When I first started using it, I worried about being the guy holding up the line fumbling to get it to work. But after the first few, that went away. As long as the merchant supports it, it usually works pretty seamlessly. There are a few that have stupid quirks, and the cashier can screw it up by pushing the wrong button at the wrong time, but on balance it's surprisingly good for me (when I find a place that accepts it). I don't think it was ever reasonable to expect this to sweep the nation and replace credit cards in the first year. It's going to take time.