NFC opens the door to easy hacking by anyone within range of the transaction. That’s why I ALWAYS keep my NFC turned OFF.
NO THANKS!!!!
Only if there is something to hack. On the iPhone 6, there literally is nothing to hack. The only thing they could do is activate the iPhone 6 to request that you initiate a purchase. The activation MUST send the information about the purchase before the iPhone 6 will do anything: The amount, purchase, and the store code. The iPhone can only complete the purchase when the owner touches the TouchID fingerprint reader with his living finger. Nothing else will work.
By doing so, all that is sent in return by NFC is a single use completion of sale Token, which immediately is communicated to the Point of Sale device, completing the transaction.
IF your hypothetical hacker intercepts the transaction and copies the Token, he's gotten nothing of any value. The Token is already used and can never be used again. That Token contains no identifying information, no credit card number, no address, no pin code, nothing identifying you. For all his work hacking to the signal, he has diddly squat that is usable.
What you say is true for NFC credit cards. There are stories of people walking past people with devices in their brief cases that can trigger NFC credit cards and downloading every bit of info on them. That cannot happen on an iPhone 6. It will wait for the fingerprint on the TouchID and only send the response Token. Nothing more.