While I appreciate your stance, I am constantly amazed at how many people are happy to use NFC. It's demonstrably insecure [0], and using it for payment at the moment is only secure through obscurity. If it becomes more-prevalent, we will see more cases of pay-info theft attacks [1].
NFC is just a communications protocol - what you choose to send down that pipe is up to you, and we have battle-tested cryptography that provides key exchange & encryption over an insecure channel.
> using it for payment at the moment is only secure through obscurity
EMV payments over NFC are mostly secure - there might be one-off exploits here and there but I wouldn't call it insecure. There are other protocols besides EMV such as magstripe contactless which are insecure but they're intended to replicate equally-insecure magnetic stripes, but that's more down to a certain country's reluctance to adopt modern payment systems rather than a fault of NFC.
With regards to stealing card details, keep in mind that the cardholder is not liable for card-not-present fraud unless 3D-Secure authentication was used.
0. https://www.makeuseof.com/tag/drive-nfc-hack-work/ 1. https://ajinabraham.com/blog/stealing-card-details-from-cont...