There is something vaguely Orwellian in an analyst who got everything wrong saying "my predictions were 100% accurate, it's Apple who are wrong because their products did not match my accurate predictions"
Q: How to solve the problem of landing an object on a comet 500 million kilometres away.A: Don't do it. Problem solved. I think you're onto something here, we can solve all the world problems with this one simple solution. Jonny Ive would like that.
When you read this thread from 2001 on the introduction of the iPod you will find it filled with the most risible posts very similar to yours. For example this one "If Apple does something like this again is going down."
Samsung is a better fit for paypal, who want to act like a bank when it suits, but abrogate normal bank responsibilities when it doesn't. For the first 5 years they were arrogant and nasty but lately paypal has cleaned up, but they dragged out the torment as long as they could. Really PayPal would be a liability for Apple Pay as they are more likely to give apple a bad name.