The only reason Apple had gotten traction with it is because they focused all of their users’ purchase power in one unified place. Which became a powerful driver to drive for change. Samsung/Android/Google Pay/Wallet thing never gained traction despite having access to the chip is exactly what we’ll see if the chip just get opened up free for all. All the larger players will push for their own standard, demand for the coveted hardware invocation sequence, while no one else wants to adopt theirs, and ultimately get no where while littering our phone with useless apps.