Dawnie / Dave: I have an issue with paywave/pass though. Yes Visa covers it, if it is fraudulent. But Visa's policy is 30 days before they return the money to you.
You'd be stoked if you were overseas, or a long way out in the bush and needed your last $90 from your card but it was milked.
I had a $1K transaction for airline tickets in India and the BANK rang me as they knew it was sus. Pretty obvious when my transactions that day were all in Perth. The day after that I was supposed to pick up a board and couldn't as I had no quids.

I protested and said YOU rang ME as you knew it was a bullsh!t transaction but I don't get my money for a month? My bank said yep, that's right, we'd love to give you the money but it is Visa policy.
I'd rather spend 0.5sec putting in my PIN and be safe, but I guess paywave stuff is the way of the world now where convenience (laziness?) is king.