Our wallets are approaching super-size like proportions. The average American cardholder has approximately four credit or debit cards, and the average household participates in more than 18 consumer rewards programs. In response, there's been a flurry of digital innovations aimed at lightening your load. NFC was touted as the saving grace, but with a high cost of entry and a questionable convenience and value proposition factor, the technology needs a lot of work (and time) before it reaches mass adoption. The latest contender is Apple, who threw its hat into the ring with Passbook.