You can write anything to the tags and write-lock them so nothing can be written to them again, so a PSK / certificate application could work and be secure as 1024bit+ encryption can be. A MiTM attack would be hard to pull off as the tags have to be pretty much be in contact with the rear of the phone.
I've tested putting a blank tag on the back of my phone then tapping a tag with data against the back of the phone, against the blank tag and other areas of the phone, and nothing significant happens at most the NFC tag recognition sound is played when 1 tag is slid over the other but the tag isn't read, with the basic tests I'd say it would take some doing to pull off a real MiTM. The most likely thing to happen is the terminal gets hacked in the factory, which is why I won't trust mobile payments, no matter how much Google, Barclays, Lloyds and Visa push it.
One thing I'd be interested in finding out is if NFC radio memory can be cloned to the last used tag/card without knowing whose it was/what it contained.