Take a look at your wallet now. There are three cards in there you don't need. That guy's business card you put in your wallet as a nice gesture, but never called. A store loyalty card you can't remember the last time you visited. The buy 9 get 1 sandwich free card you forget to pull out everytime you get a ruben. They're still in your wallet because you simply don't care enough to even filter your wallet on a regular basis. Why would anybody care so much now with Coin?

The future is no wallet at all. This in-between technology is both more expensive and complex.