I still intend to use cards at all these ineptly managed corporate entities because I want the points. The credit card companies are pretty good at catching fraud, and I do look through my credit card activity before paying the bills. About 10 years ago I caught a fraudulent transaction that the credit card company had not flagged, but they've gotten a lot better at that.

And now that I understand how Apple Pay works I want to use it everywhere. It's fast, it's fun, and it's way more secure. I'm finding it really frustrating that so many stores have terminals capable of taking it but just can't seem to get around to upgrading their firmware so it works with my card.