Re: [webpayments] [Architecture] Payment App is a term used in EMV to describe the applet stored in SC (#31)

I've [come around](https://github.com/w3c/webpayments/issues/11#issuecomment-163365290) to agreeing with @adrianhopebailie's approach for abstracting the details of payment instruments into payment apps. Which means, from my perspective, we may not even need to really talk about payment instruments at all -- we only need to talk about payment apps the payment schemes/methods that they support.

With this in mind, the name "Payment App" is a lot less controversial to me.

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https://github.com/w3c/webpayments/issues/31#issuecomment-163367483