Agreed. I use it basically every day. It's almost disquieting how quickly Apple inserted itself into payments, but it's frankly safer than a credit card and the NFC(?) works much better.

In NYC they had issues with the temporary card numbers they give. Apple got special privileges compared to Google wallet, where they were treating the tapping double charging being rejected as erroneous and banning the cards.

I had to switch to a physical card and the MTA advice was to get an iphone