What is surprising is that it has taken this long for the issue to come to light. As with M&S in the NFC fiasco with double charging, the transfer of any form of payment to NFC, registered cards on devices and so on is always going to be a magnet for fraud. It is simply too easy to bypass the control with the information that the criminals can access. This is squarely at Apple's door or any other outfit that uses this technology. The banks are part of the loop but the end point has to be where the buck stops. Many of the problems surrounding this is that "While Coller crime" is not unacceptable in the way traditional crime is. The offer problem is that the individual amounts are small. The total may be large but the spread of small transaction simply makes it far too difficult for the Police to do anything about it.
At the end of the day we all end up paying in back charges.