"OS makers are hindering each other in the great race to a sliver of that sweet cash."
This is the primary reason not be an early adopter of anything. At least half of early adopters get badly stung, not because the chose the worst of the options, but because someone with deep pockets pumps many more groats into marketing their preferred system, bribing sellers and producers to use it. Few of the big big companiesm institutions or industries are prepared to play ball and co-operate. Either the systems involved include silly-money licencing fees to use the system (a la Apples per transaction fees) or others "invent" around the patents to make yet another incompatible system. This leaves us users, especially in terms of a payment system, having to have multiple identities,devices or apps to cope with all of them, or be locked out of some services.