This is the web version of Data Sheet, Fortune’s daily newsletter on the top tech news. To get it delivered daily to your in-box, sign up here. Given that I make my living writing about Silicon Valley, I pride myself at not being an early adopter. I find that by avoiding the bleeding edge, I can refrain from wasting time on never-will-be technology while maintaining a connection to the real world of technology users. Sometimes, I’m just stubborn. This explains why I still don’t have an Apple Watch (Also: I adore my inexpensive Timex Iron Man and wear-all-night FitBit Alta); why I wrote my book about Apple on a Windows PC; and why I got my first iPhone in 2012. (Oh, and a few months ago, I let an Apple retail employee talk me out of upgrading my iPhone X.) Apple fans (and foes) may notice my conflation of early adopterdom with owning Apple’s latest toys. That leads me to an area I probably am relatively on top of: Apple Pay and the Apple Card. I started using the payment system when there were few places that accepted it. I still get an irrational tingly feeling when I hear the ping of acceptance that my transaction has gone through. And Monday, in the three minutes between finis...