I have none and still don't get how Apple pay is more convenient than using the card directly
It's just easier, simpler and more convenient IMO.
If you dont like to use it that is fine. With Apple pay you dont even need to bring your wallet with you.
Put your phone near the credit card terminal and put your thumbprint on the touch ID.
Done, payment made.
Tokenized method does not use or reveal your real credit card number and expiration date to the particular merchant.
Store/company gets hacked like Target or Home depot for example and they get thousands of credit card accounts the account number they have for you will be useless to hackers since they will not be able to use it to make unauthorized purchases.
Its an extra layer of security and also more convenient than carrying cards with you that they might be lost/stolen or even skimmed at various locations.
It's a good option to have I think and hope more and more merchants start accepting it. It will also make their liability of fraud way less than current credit/debit card only terminals.