, NFC hasn't been used much, but I see that changing
It's a catch 22, if people don't want to use it and make noise for it, it won't be on phones. If it's not on phones vendors aren't going to justify replacing their POS equipment, or losing all the private information they're stealing from customer CC's, and will keep the status quo.
I really want NFC, Apple Pay works great in the 3 places I visit that accept it. But not enough people are complaining in the right places (i.e. publically, loudly) and so we're having to wait while competing chains try to agree on a standard to suitably steal private information from their customers, for another 10 years.