[blfr]

If you're very concerned then cash or physical card for redundancy may make sense. But that's also true of a map for example, yet doesn't hurt adoption of Google Maps.

And is paying for things really that crucial on a daily basis? I can only think of minor inconveniences like having to go home before getting groceries after work. Although that's probably a matter of lifestyle and location.

[IanCal]

Well, my card doesn't need a battery but works just like mobile payments (take out, press against reader, done) whereas google maps has many advantages over a paper map (i can find exactly where I am, search for things & get traffic updates).

[blfr]

Phone payment app can also feature improvements over a card, like knowing and showing your balance, helping you track spending, prompting you to use discount coupons... whatever the provider can come up with.