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Just as we all pay a credit card "tax" even if we do leave home with just cash, cardholders also pay for their deadbeat cohorts.

Perhaps most importantly, credit card companies need mobile carriers for distribution.

For one, apps require connectivity in order to verify a transaction.

But a mobile chip works even when there's no connection, by locally storing the information "this person has permission to spend X dollars."A retail app might work perfectly well in a Wi Fi-enabled Starbucks that also accepts other forms of payment, but nobody wants to be stuck on a desolate stretch of highway with no cellphone service and only a cellphone app with which to pay for gas.

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well wave your cellphone over a retail console to buy just about anything within a couple of years, obviating the need to carry around much of what's in your wallet.

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