>One upside to pay-by-bonk is that the means to pay is almost certainly already in-hand (literally),
I'm considering taking my rarely used credit card out of my wallet so the only contactless card left in there is the card I want to pay with... Then I can just wave my wallet across the terminal.
My Aussie bank actually does support pay-by-bonk on Android (has done for about 12 months - didn't hear the media praising that innovation), but rudely only on a preselected collection of phones. My phone has NFC, but no support from them.