A Credit Card Theory of Everything

Quantum physics is suddenly big in pop culture. Black holes and spacetime, for example, are central to both the plots of current films “Interstellar,” and “The Theory of Everything.” In the latter, cosmologist Stephen Hawking spends his life trying to find a single theory to “explain” all of life. Similarly, those mindful of payment card security in an age of proliferating hacks are looking for a single theory — an unassailable, breach-proof idea — to make payments secure and safe for the foreseeable future.