Are you ready to pay with your phone the next time you go to McDonald's? I'm not. The whole idea of waving my phone near a credit-card reader to have money removed from my checking account is a little scary to me. This is yet another sure sign that I'm getting old. In three years I probably will be angry when someone wants me to scan my debit card because I'm so accustomed to paying with my phone. But right now, it seems like an insecure idea.
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