[dasil003]

> What if my phone's battery is dead ?

Go to an ATM.

> There are countries where phone penetration (and not even smart phone) is not very high, but the population still need to have credit cards.

There are also countries where SMS payments are much more popular than credit cards. It's not a one-payment-system world.

[rs]

> Go to an ATM.

Exactly, and you end up using a "card" anyway

[dasil003]

Okay then smart guy, go to a bank teller.

Using a card on the extremely rare occasion that you forget to charge your phone is a world of difference from using it 10 times every day.