That was such a strange article to read.
In any case, Apple Pay’s adoption rates change by region. It’s significantly higher in the UK where we have every worthwhile bank signed up and contactless terminals were already widespread. Apple’s issue in the UK is getting merchants to support CDCVM for contactless payments above £30.
In the US, Apple Pay is being held back by their disaster of an EMV rollout, merchants intentionally blocking it for their own solutions, or just not having the terminals/infrastructure to support it. Without high merchant adoption, people can’t rely on it and just fall back to plastic cards. It’s also important to remember that US merchants track customers by card numbers and other data on the magstripe, information that Apple Pay drops completely.