[ranguna]

You can pay with a card on your phone? I mean, sure, if you are buying something online. Not with contactless I think

[amelius]

You can do all things with a browser and a card, yes.

I'm assuming that most people will carry the card with them anyway.

[ranguna]

Sure, if you are ok walking around with a card. I've been "walletless" for the past 6 years or so, and I don't want to go back.

Leaving and coming back home and only have to mentally track one object that I can't forget is great. If it breaks, I'll temporarily use cards or physical money until I get a new phone and install everything again.

"Use a card" is not really a good alternative for those that prefer not to use them. Sure it works for you, but not everyone has your preferences of walking around with a wallet.