Re: These phones should all be free
It is not Apple's business model to collect your information - it IS the business model of Google (thus Samsung, etc) and Facebook. Doesn't necessarily mean that Apple are perfect in this regard, but they should probably not be lumped with these others in reports like this.
And that's what ApplePay is about - making purchases that neither the retailer, nor Apple gets information about, not even your credit card number. That's why so many of these organizations will hate it and try to disparage it at every opportunity.