It's a little bizarre to me that they are annoyed at being dependent on the signal but want to avoid Google Wallet because ... privacy? What privacy do they have so far? I can understand keeping your credit cards off of it, because Google is obviously getting a list of all your purchases. But there's nothing really private about having a ticket to a concert through Ticketmaster. They "take your privacy seriously" and sell your information to commercial partners and send you offers of things they think you're interested in.