That the carriers want control of this. I'm not sure why the need to be involved to be honest. My using my phone to make a payment is a decision for me and my phone, it has nothing to do with the network. The networks are basically fearful that this pushes more power into the hands of the phone makers and want to try and prevent that. On one hand they're right that obviously a global powerhouse of security such as RIM will benefit from this hugely. But ultimately the buck should stop with the phone manufacturer. As best as I know, you can't remote wipe and set up ridiculous security on SIMs, you can on phones.