It doesn't matter what phone you use, that's just how Google Wallet and the secure element work together. Google "Secure element has stopped responding" and you'll see how many people have bricked their secure element because they didn't know this.
This only happens in a very specific situation - when you go to a different ROM or do a factory reset without resetting Wallet first, in which case the secure element remains forever married to a Wallet installation that's lost.
And, people have lost their secure element when they did reset wallet, and people have lost it even when they hadn't flashed anything or even so much as rebooted. Just worked one day and not the next.
So we don't know what kills them yet.
Sent from my SPH-L900 using xda premium