Re: Doesn't matter if the features have been available for years...
The answer is clearly Samsung (or whatever make of phone it is). If Samsung want to claim the fault came from elsewhere, it's up to them to sue them in turn.
The fact that Samsung use Android and build their own OS on it makes this point even more clear, so it's not like building a PC and then installing Windows on it.
Apple don't make everything inside their devices, you could make the same claim if there are any problems that result from a hardware fault (be it NFC, or anything else). The safe place for my money is not with Apple - if I want contactless payments, I can already do it with my card, no need to wave an Apple logo around.
And you've also indirectly criticised all Open Source - "ooh, you don't want to use Open Source if your products - otherwise the users won't know who to blame if something goes wrong".