The biggest utility problem for wallet was that the processes in question were:
"Does this merchant use Square? Sweet - I'll give it a try. Pull phone out of pocket, open app, wait for GPS to lock on and find the merchant, check in to merchant, tell checkout person I'm using wallet. Wait for them to try to figure it out since I'm the first who has used it in a month. Charge account"
vs.
"Pull piece of plastic out of wallet. Charge account".
"Does this merchant use Square? Sweet - I'll give it a try. Pull phone out of pocket, open app, wait for GPS to lock on and find the merchant, check in to merchant, tell checkout person I'm using wallet. Wait for them to try to figure it out since I'm the first who has used it in a month. Charge account"
vs.
"Pull piece of plastic out of wallet. Charge account".