I have no intention of ever owning a smart phone. When I buy a cell, I look for the phone with the best battery and highest call quality. That's it. I don't need to surf the web, watch videos, listen to music, or send text messages. I'm not against the idea of using my phone as a payment device, but I'm not going to get a data plan or a new phone for it.

Further, I'm not going to use a company for my money transactions that doesn't seem to have any way to reach a human being to get help when something of theirs that you use goes wrong.

If Amazon did this, I'd be all over it. When I have a problem with Amazon, I can call them directly with little or no hold time. Or I can email them and get a reply within hours.