[hug]

> I don't see how a phone or watch is more convenient than a credit card; I'm carrying backup cash and ID at a minimum already, so adding a credit card to the mix doesn't really lighten my load.

Not the parent poster, but I don't carry a wallet. I quite often head to the store without picking up anything on my way out, with my pockets empty, buy some groceries and pay with my watch.

Usually when I'm out for an evening at a bar or restaurant, I'm out with only my phone and watch.

I find it quite freeing not to have to carry much, but YMMV: I'm in Australia, and I don't think I've seen a 'cash only' vendor in over 6 months, and I haven't seen anywhere that takes card but not NFC payments in literally years.