Look at your own money spending habits... That $600 iphone with the $100 plan a month would be better spent in your retirement savings... The money you're throwing at that new Prius that you have 19% interest on could have been spent on a 1995 Geo with the same gas mileage (or a motorcycle, in which case, you'd look cool too). You had to have that new MacBook pro. You have to have the latest in skinny jeans. You eat out every night of the week. You insist on "organic" when you don't even really know what that means.
Want to go to space in a plane? No one is preventing you from being rich. You're just act like a poor person.
Lady enters checkout line with baby on hip and two kids in cart. She's tired of wrangling, wants to leave ASAP.
Apple/Google: Using one hand, pulls phone out of purse, taps, enter pin on phone.
CurrentC: Pull phone out of purse. Unlock phone. Launch CurrentC app. Due to poor cell signal in store, app takes a long time to connect. Enter app pin. Request new transaction. Wait for QR code to show. Explain to the cashier you need them to scan this code. Wait for the second code to appear on Casher's screen. Scan that. Wait some more. Kids screaming murder now. Poor lady begins to cry.