We can't rely on American millennials to care about anything mature like drive the mobile payments marketplace in the US. (I am one too, trust me).

I talk to people my age all the time... They have no idea how to protect their bank info, use Apple Pay, start a retirement fund, balance/use a transaction register, use online bill pay through the bank's website, save for a house to gain equity, investing in stocks, and cutting down the costs of student loans by paying more than the minimum payment every month, building a relationship, etc. Instead they're too busy going out and getting wasted at 26 while working as a cashier at a drug store.

Contactless would have to be forced on everyone. I like the idea of shutting off the chip and swipe readers for anything under $50, or perhaps a lower amount like $25. I'm sure the readers can be programmed to do that. The incentive is the problem... Perhaps lower the interchange fees to that of a PIN transaction on contactless as an incentive. This would require merchants to place signage up near the register (because people are too lazy to read the screen apparently) and the network playing as a middle man to work with the banks on issuing physical contactless cards, but since Apple Pay is already a solution most people can use in the short term, the forced change wouldn't be that big of an issue, which is only an issue for those who don't have a smartphone or for those who still live in the 1980's...But to be honest, that's not everyone else's problem. As a society, we should be moving past the people who want to live like that, not deeming it as acceptable behavior so everyone feels like they get a trophy.