You've created a string of hypotheticals and argued them down like they're straw men. I kind of like the one you created about where I would say something about "user experience", because it's fluffy and mocking (on your part) at the same time. Bravo.

I had said that Apple stalled NFC development by not releasing it in 2014. Are you saying that NFC market adoption would have been the same, if Apple had released NFC in 2012?