What the author of this article just doesn't get is that Coin isn't supposed to be a long-term solution (at least from my takeaway), nor is it something that is intended to completely redefine the vision of future payments. What Coin intends to do is provide a unified interface for payments right now, today. Credit/debit cards are so ubiquitous that it's only natural we unify them. It's 2013, and there's still no comprehensive NFC mobile payment solution. Google Wallet can't really be used on a practical basis, and doesn't give you much security – lose your phone, and you're pretty much screwed.

Coin is most definitely a step in the right direction, and it's a simple solution. One of the hallmark traits of great design is its obviousness -- and Coin's design is obvious. A credit card that can act as multiple credit cards. Who would have thought?