Fred Myers (a grocery store) where I live doesn’t have NFC POSes in their self checkout kiosks, so I have to whip out my card to chip there. But otherwise I don’t usually use it (though I bring it just in case).

Lots of smaller stores have readers where either the tap or the chip is broken. I just went to one today and took out my card to insert the chip instead of using Google Pay.

Wow it never happened to me, then the reader is broken no cards worked one time it was and by a pure chance I had cash (which I don't carry normally).

One of the shops near me can only do tap reading on their reader as the chip isn't working. My debit card only has chip, no tap. But I can pay with Google Pay via my phone. The CVS near me the tap readers in the pharmacy don't work. But the chip readers do.