Don't you still have to carry cards for things that aren't digitally excepted, such as a drivers license in most states?

I'm not an American. In Estonia your ID is entirely digital, and I just show my e-Estonia government provided app to a scanner, which can scan my ID from there and verify it. Same with a drivers license. As long as I travel within EU I also don't need to carry a passport with me as a EU citizen.

Yes it is. Doesn't break if drop it for one. Much smaller than a phone. Isn't tied to apples ecosystem. etc.

I get that you might want one if you are a tech maximalist with a single focus. But that doesn't mean you should stop carrying your card.

Banks and card networks will only accept proprietary shitware as payment. Would you rather keep the malware confined to a separate processor chip or would you let it run on your phone?

In other words, would you like to have your physical card to be lost or stolen and someone paying with it? As small amounts don’t ask for a pin confirmation. Having my phone stolen is pretty much another level of attack.

Yes... that $25 if they manage to get even that before it is blocked I can live with. Loosing my phone, even if they can't do anything with it is a whole other scenario. Now I can't even get home.

Your bank will refund any stolen money if your card is stolen.

> would you like to have your physical card to be lost or stolen and someone paying with it?

I don't really care, as I'm protected from fraud by the card issuer and regulations in my country.

> Having my phone stolen is pretty much another level of attack.

Stealing a wallet or a phone seems just about the same level of difficulty.

And you can trick an iPhone into believing you're a transit terminal and charge arbitrary amounts to real credit cards, without unlocking the phone. (And Apple thinks this is a feature.) The attack requires specialized hardware and physical access, but if you've stolen the phone, that's fine.

(Yes, I know, this article is about Android. But most people where I live have iPhones, even if I don't.)

And your battery goes empty, and you just lost everything. Or your phone falls to the ground and breaks.

And to add to payments, the store loyalty apps are the worst... Lidl over here has an app only (no physical loyalty card), and they should be hanged for developing that... first of all, you're waiting in line while a grandma takes her phone out of her purse, then unlock it, and of course android is not satisfied with her fingerprint right then but also wants a pin... then all apps, then scroll down to L, find LidlPlus app, tap on it... QR code? Nope, not yet! First you get a daily coupon wheel of fortune, tap, wait for it to spin, see what your award is... and if it's something that she just bought, she has to manually activate that coupon in the menu (again, tap, find, tap, tap back), and then click the card button to get the qr code to scan... it's literally minutes sometimes of just waiting, instead of scanning a simple qr code on a plastic card pulled from the wallet.

We even had one of our telcos break down (full internet loss, country wide), POS terminals not working at all, and there are actually people with zero cash with them, not even like 50 euros (for just-in-case (like this))... and then you have to wait for them to turn around, take their stuff back and go home hungry.

I also have Apple Wallet on my Apple Watch. I can use the Apple Watch to also pay for things.