I have an iPhone and don’t use Apple Pay. Approximately 90 million Americans have an iPhone but Apple can’t make Apple Pay a thing.
Just this week Apple is rumored to be launching Apple Cash to compete with PayPal’s Venmo. The market does not seem to take it too seriously as PayPal hit all-time high today (I’m hedged by owning PayPal, Apple and Visa).
In the meantime I still have a debit card with a chip and continue to check out like this.