My issue has been places that have made it hard to get a physical card, like transit cards can be a pain to get to an office during the hours they’re open and wait in line forever. You either have to pay cash or use Google Wallet/Apple Pay but credit/debit cards aren’t supported. It seems like it’s becoming less common, thank goodness. But still run into it here and there. I’m glad both Seattle and San Francisco transit systems now all accept credit/debit cards, though I don’t really trust the security of those transactions as much, so I still kept my transit cards. Also, though, it makes a big difference that at least those two systems will just wave you on in case the system or your card is not working properly. Some cities the drivers still have to enforce and will turn you away if something technical goes wrong and you don’t have cash.

The only benefit is that I’m already dicking around on my phone to avoid small talk, so it’s right there.

I bet you have forgotten your wallet more times than you’ve forgotten your phone