Difficult to overstate how much you're in an extreme, extreme minority position if you own a smartphone and don't carry it around pretty much everywhere.

My phone lives in my backpack, if I don't have my backpack on me (which is most of the time) I'm not going to have a phone.

that's one of the pirmary things for me too even as a guy with usually large pockets i find it annoying to walk around with them in my pocket espcially in the summer

plus on the bus or train I usually use a book or my kindle so it's easy to forget the phone

You can use a phone for everything but a card for only one thing. The choice is clear