We are use to plastic cards but paying with bitcoin-qt app with your Android works pretty well
It is safer not to keep too much bitcoins on your phone though, like you don't let too much money in your wallet
I know, but given Credit Cards are a "Pull" technology, and NFC can be a "Push, on demand" tech where you only expose what you want to spend, I was just thinking a mobile hot wallet with NFC would be an easier hill to climb. Yeah, you'd need buy-in from processors, but it could avoid a few issues with dealing with card companies.
I have had chipped cards and now have the NFC wallet for my credit cards, but I admit I love to try things out early.
I very rarely carry cash unless I'm heading to the casino, so I get the point about carrying money.