That sounds good and convenient until you loose or a thief robs you of your phone and wallet at the same time in one go. I need to use a wallet because I live in a cash first country but even of otherwise I'd still carry a wallet because I don't want a single point of failure. Like what else am I gonna do with an now empty pocket if I give up on the wallet?

The other pocket usually has my car keys. For theft, I in fact rarely use my phone to pay but usually my watch. I can do pretty much anything with the watch except CarPlay and taking photos. It has its own cel connection as well.

Aside from what the sibling says regarding theft, I still use a wallet and what I hate most about the combined wallet + phone combo is the thickness of it.

My iPhone barely fits in my jeans pocket as is. Piling 3-4 credit cards and some cash on top of that is way too much.

That's why I never get the Max and wish the Mini had seen further improvements.