Tap-to-pay on credit card chips, too.

I’m with you there. The only explanation that makes sense to me is if they’re really hurting for cash. And if they are, I honestly don’t have a solution that falls between “go bankrupt” and “sell out our users in the least noxious way we can come up with.”

Do we think anyone would actually opt in?

I’m not saying you’re wrong, just that making it opt-in is probably seen in this case as equivalent to throwing the entire feature in the trash.

“I’m not owned! I’m not owned!” I continue to insist as I slowly shrink and transform into a corn cob