Masterpass shows how much Joe Montana likes money

I guess I'm supposed to know who the woman is in this commercial too, but I don't and I'm perfectly ok if no one wants to enlighten me.  It's Kat something, I know that.  Don't care.

The point of this movie is that the target audience is composed of mouth-breathers who are likely to forget the product being sold unless it's hammered into their skulls repeatedly over the course of thirty seconds but who really like anything that involves using their phones.  I doubt that there's any sensible reason for Joe Montana, who hasn't thrown a football professionally in 23 years (yes, that makes me feel very old) and is therefore pretty much an unperson for that target audience, to be here.  But whatever- hey everybody look, here's an old guy who played in the NFL a quarter of a century ago but can still be triggered to throw fragile decorations across the room by repeating a word!  Funny, right?  Right?

Oh by the way, before all this BS with Montana and Kat Whoever, we see a young woman totally flummoxed at witnessing the customer in front of her use her phone to pay for something.  Holy crap Mastercard, I grew up with phones attached to the walls by cords and I get the concept of paying bills with them by flashing the screen over a card reader.  We're supposed to buy the idea that some Millenial is astonished by this sorcery?  Seriously?

And one more thing- would the woman using "Masterpass" really respond to "what is that?" with "Masterpass?"  Not "I'm using my phone to pay my bill?"  Are people now programmed to provide free advertising to strangers?  That's almost as dumb as the Doddering Old Money-Grubbing Quarterback with One Less Ring than Tom Brady making a fool of himself crap that follows.  Almost.