So here's the thing everyone's phone is buzzing about this week. Banks in Hong Kong put out the alarm on a fraud wave hitting iPhone users, more than 700 unauthorised credit card transactions, all somehow routed through Apple's system. RTHK had the number, SCMP had the reaction, and the reaction was good: lawmaker Johnny Ng basically said, hold on, this happened on your platform, Apple, why is everyone else doing the explaining? He reckons the actual money lost isn't huge. But that's not really the point, is it.

Here's why this one's annoying instead of scary. Nobody's saying your phone got hacked in some dramatic movie way. It's your card, sitting inside Apple's wallet, somehow getting charged without you doing anything. And when 700 people report the same weird thing in the same city in the same week, that's not 700 separate bad-luck stories, that's a system with a hole in it. Banks are the ones sounding the alarm and eating the complaints. Apple, so far, is the one saying nothing. If you're going to sell everyone on "just tap your phone, it's safer," the least you can do when it goes wrong is pick up the phone yourself.