Stealing my wallet is generally worth less than stealing my phone even before you take into account the value of the data and the grief and expense of replacing my phone.

The fact that parking systems won't install wireless credit card readers and instead will foist the externality onto me of 1) having a phone, 2) that is currently charged, 3) has a relatively high resolution camera, and 4) capable of high bandwidth internet access is the kind of thing that ticks me off.