I think it's important to make it sufficient but living, and the reason is that an example was mentioned about setting defaults on it and not being able to do that. From a usability point of view it would be good to review that in the future, because if it takes x steps to pay with a phone—unlock, do this, select a card—it's going to be a lot easier to use the card you have in your wallet. I think it's sufficient but living, and review some aspects like that.
