My take away is that Apple has been doing a poor job of marketing Apple Pay. I still have friends and co-workers who — when I mention Apple Pay — have a “deer in the headlights” look on their face.
There should have been enough commercials running everywhere by now that everyone knows what Apple Pay is and what it is used for. But, alas — there is not.
Update: 04.04.2018 – Apple released some new Apple Pay ads.