Bank: oh look we have a request for a transaction from an unregistered NFC point of sales device for the sum of 100k lets approve it shall we.....
the data is encrypted to high heaven and can only be processed by a transaction house like visa/mastercard, most point of sales devices have unique ID and are registered (NFC or otherwise), the ability to grab some data from a NFC device doesn't translate to instant money, the money still resides in your accounts not the phone, NFC just makes it more convenient to authorize the transaction, which just like a credit card transaction if found to be fraudulent can be rescinded. The best you can do is probably attempt to clone the data and try to carry out a transaction with the cloned data and that hoping that it's not a time based algorithm that tied to the unique IMEI number of the cell phone which probably have to be live and connected to a network
forgot NFC phones, if it was that easy to just bump into folks and get money they would have been doing with the NFC credit cards, this is not new tech, it's just an upgrade to old tech to make it more convenient