except that Apple Pay doesn't cost you $1 every time you use it and doesn't take 10+ minutes (or possibly hours) for your payment to process.... what merchant is going to let you walk out of a shop with $20 worth of goods hoping the payment will go through sometime in the next hour or so? On the other hand, Apple Pay is also centralized and doesn't provide even pseudo anonymity. Bitcoin is fast moving away from being a viable solution for every day payments toward being useful only as a method of storing wealth. It is likely to get even further away in the future as block rewards get halved and transaction fees increase even more. The days of shifting bitcoins around for pennies are long gone... unless you want to wait.
This is the biggest problem that Bitcoin is right now facing. This delay of transactions can cost Bitcoin a big chunk of its potential. Hopefully, the whole Bitcoin community can soon find an acceptable solution for this scaling problem. Right now, there is a raging disagreement among Bitcoin's technical people as how to solve this problem. It is because both sides are also bringing their own business interest and even greediness to the table. They should talk as one and come up with a viable solution. The more this problem is delayed the more that Bitcoin can lost its hard-to-establish momentum.
I agree and I hope they get to agree on a solution already that would benefit the whole system and not their own greedy asses. Some of them are really proposing a system that will only benefit themselves. That is the most common problem in the human societies. That is why progress is hindered.