Because at every pos in existence, I have the option of using my phone, my watch, or a card.

I am not exclusively tied to any of those devices (or their camera, which is a relative weakpoint in a smartphone).

I am also able to trust that the payment medium is so complex that there's a very low chance of phishing (i.e. pretty easy to print out a QR code to a malicious domain, hard to do that over ApplePay).