Someday, the conventional wisdom and statistics keep telling us, we’re all going to throw out our wallets and replace them with digital phones. As The Los Angeles Times recently reported, quoting numbers from the research firm, Gartner Inc., by 2016, payments over mobile phones will reach $ 617 billion worldwide, up from last year’s $ 105 billion.Then the Times’ David Sarno wrote: “There are big advantages to electronic money. It’s easier and quicker to process than cash or plastic, and without the need to fish around for credit cards or wait for receipts to print, long lines may become a [...]