[oliyoung]

> I live in a city, and Apple/Google Pay definitely does not work anywhere near everywhere (even after more businesses went contactless due to COVID). I wouldn't think of leaving home without physical credit cards.

This isn't the case in some parts of the world.

In Australia, even before COVID, I could make 2-3 day interstate business trips with flight tickets, credit cards, public transport all my phone.

I rarely carry cash or even my physical credit cards, and haven't needed to for years now.