1. while I love the concept of Google Wallet, ISIS, and services like them, they share a fatal flaw: I can’t trust them, because there’s too much technology involved — and a surplus of technology inevitably leads to unreliability. I can show them off to friends, dazzle unsuspecting clerks, and use them to do weird things at self-checkout kiosks, but mobile payments can’t be a cash equivalent now or any time soon. They’re a gimmick. You approach the counter thinking “what the heck, let’s give this a shot.