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Purses and wallets are gendered spaces. Like the use of urinals in men's restrooms, wallets and purses are a way of producing understandings of gender difference rather than as a natural consequence of differences.
You just made a bold move to save enough money to buy something for yourself. And, without realizing it, you just raised your own gold standard. And with this new gold standard, comes two scary questions -- what's next, and what else do you want for yourself?
Maybe Apple is simply waiting for NFC to become mainstream before it jumps in. That's undoubtedly part of the reason, but I think there are other explanations that present real problems for the incumbent card networks and banks.