That's exactly what I don't want to see. If everyone is selfish and creates their own proprietary closed system, we're going to have a confusing mess of fragmented retailers. Some will have ApplePay terminals, some will have Google, some Paypass, some CurrentC, etc. And it will never take off to the point where you can use your device in most places. Standards are what help solve the chicken-and-egg problem of store terminals and payment devices.