I'd like to know how many times he has been able to use NFC in the US. Does he seriously believe Apple can't throw in a little chip? There are other reasons they don't do this, mostly because of the inability to have much impact on how payments are performed at this time, and NFC hasn't changed things much.
And they've had LTE on their latest ipad, just a matter of time before it was ready for the iPhone without destroying battery life.