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Nobody wants it and if amazon/google/microsoft/facebook would be honest about what it really does, the overwhelming majority would decline it in a heartbeat. But corporations do what corporations do best and consumers take it with a shrug. And I kind of get it. Life is too short to learn about everything and make the most informed choice on everything. Often you just shrug it off and never really use it.
Phones are becoming the new wallets to the point we need something slimmer to pay with soon again.