If you have not heard, “the end of credit cards is near!” in some form or another during the past few days, then crawl out from under your rock and read the news, subscribe to some RSS feeds or newsletters, or watch some TV.

We predicted mobile payments here on Spin Sucks last October, then talked about it as a growth area for 2011 earlier this month, and then CNN Money validated our prediction when they announced it earlier this week.  Since then, I’ve been thinking…

Does it excite me that I don’t have to carry around a chunky wallet with my cards in it?  Or does it freak me out knowing that even more of my life is going to be held in one tiny, losable, crashable, breakable, device?  What do think? (more…)