Advantage or disadvantage. It really depends on your point of view.

World governments are constantly loosing legitimacy. The reason is that free electronic communication (at least easier than in the centuries before) leads to exposure of the low moral standard of those in charge.

Complying with the current laws and regulations could soon be perceived as an act of high treason. So ApplePay runs an easy business only as long as the status quo is not questioned by the majority.