btw.. here is another cool implementation of NFC
http://www.samsung.com/us/microsite/tectile/ Even though it's made by Samsung it's not really proprietary. Here's Sony's version..
http://www.sonymobile.com/gb/product...ria-smarttags/
You are right that the biggest hurdle right now is getting NFC adoption rates to be higher... BUT considering that the hardware is just recently hitting the market here in the USA it's hard to say how fast or slow it will take based on current rates. We'll know a lot more this time next year.
In Japan and Europe they are pretty far ahead already.. for example.. 11,500 post offices in Europe already use the tech.
http://www.slashgear.com/mobile-nfc-...ices-31231134/
Oh and it isn't just Google Wallet. in Austin we also have ISIS although it is lagging far behind Google.. it is basically the same thing just a different app.. which is fine by me. I doubt most consumers care which app they use. In the end Isis is gonna have a TOUGH time keeping up with Google for usability though.
http://www.paywithisis.com/whatis.xhtml