Well everytime I go to mall and there is big lines on the others places I choose Mc Donalds just because I can make my order in few minutes and start to eat.
Your hungry won't wait these big line ups for food.
I think you used a bad analogy because most will choose Mc Donalds because it is fast... and card is a killer feature because most buyers today didn't have money on wallets.
OK, it is your choice and I'm fine with that. I used that analogy, because, given the choice, I will always choose food that tastes better, just like I will choose to play multi-platform games on X, because 99% of the time they just look better. The rest (in this case UI) is not important.