Personally, I believe that bitcoin is NOT going to win in the short-term merely on it's payment system and low costs (though in the long run, bitcoin will provide a lot of competition regarding costs), and more savvy persons (like you and me and several other bullish-oriented posters in this thread) are going to realize that bitcoin holds much more value (than centralized systems, such as apple pay) because of its decentrailzation, flexibility and its store of value and we are NOT (hopefully) going to get distracted by mere ease of use framings... even though many of us alsolikely wished that BTC were easier to use in a variety of ways (yet we understand that ease of use will likely improve with time).