[brownbat]

> Contactless cards aren’t really any faster than Apple Pay

I don't have to unlock my card. Also, the card is much lighter and smaller, and I don't worry about dropping and breaking it, so the cognitive load is lighter.

I don't carry a wallet, though, just a card to pay for things, keys, and a license. I also don't carry my phone around unlocked, so those things might make a difference.

If you used the phone as the only thing in your pocket, because it had your DL (if you even drive) and unlocked your doors at home with a smart phone app, then I could definitely see the minimalist appeal. I really like having almost nothing in my pockets, and a phone could do that.