Mobile payments are a disaster. You’re much better off using cash than attempting to use any current service. Particularly PayPal. Don’t even get me started. How embarrassing.   Why? Before October of last year, I had tried different forms of mobile payments, which left me with a bittersweet aftertaste. While the idea of paying with your mobile device seemed novel and exciting at the time, the shortcomings and frustrations of the available technology drove me nuts. Here I was, sitting in line at a Dollar General, growing more anxious as I got closer to the register. I had a new …