Hmm may want to take a closer look at what was addressed with 8.1. Certainly more than ApplePay. And this is only what was listed. There are always more under the hood items not published.
http://en.wikipedia.org/wiki/History_of_iOS
Yes, there are minor fixes and such, there always are but none of which fixed the bigger issues that's facing iOS 8 such as the networking, keyboard issues, iPhone 6+ crashes, and so on.
iOS 8.1 was more like 8.0.1 but they pretty much renamed it to 8.1 because it has one big focus, which is ApplePay. Same thing for iOS 8.2, no major improvements on any of the big issues from what I've see and its main focus is AppleWatch. Yes, it will have a long list of minor fixes, that's just progress from improving the code and so on but we're not seeing any evidence of major refactoring to fix the core issues.
What a lot of people are waiting for is the "iOS 7.1" style of refactoring that focus on fixing the core issues, not the "single big feature plus minor fixes" that is 8.1 and 8.2.