1. I have little doubt that Apple was the problem here. Moreover, as Cook mentioned, the big three account for over 80% of credit card transactions in the US. It's the old 80-20 rule to get something done efficiently, I suppose.2. If Walmart and Publix were in the list of the 20 or so retailers whose names Cook put up in his presentation, the answer would be yes. Otherwise, I guess it depends on what these two companies do in the next few weeks.