This article is a prime example of the contemporary refusal to take personal responsibility for one’s own actions. Contrary to the article’s title, Apple Pay does not make you poorer. You make yourself poorer if you do not have the discipline to be wise with your own money. Apple’s innovation, whether or not is is new [that was for the anti-Apple android crowd:-) ] is for convenience for the consumer (and the NSA), but we do choose to use it or stick with the credit cards (or cash). And in any case, if you are reckless with your money, you make yourself poorer. Don’t blame Apple.
Also, this is typical Sunstein who, hilariously, also wrote an article against what he called “Paranoid Libertarians.” It seems he is now the one paranoid: A BIG CORPORATION IS MAKING YOU POORER!!