Automobiles don't get invented every day, or indeed every year. In a world where the horse is king, a faster horse is a good thing.

Except the Automobile has already been invented in this case. NFC, Apple Pay, mobile payments. Mobile phone payment technologies will quickly make cards obsolete. In places like Bangladesh (bkash) and Kenya (m-Pesa) mobile has bypassed the need for cards.

But this is $155. It needs to be an automobile :)

You make an excellent point.