I personally agree, but (some) people stop carrying their wallets, when they can pay with their phones.

For me it's that 75%+ of my contactless payments trigger an "insert card and enter PIN" check, which defeats its purpose. Presumably because my bank has become super cautious or their fraud detection is managed by a clanker.

I never have a problem with the same transactions using my phone.

Honestly, I'd prefer to use my card, rather than gift transaction data to my phone manufacturer.

If a phone is lost or stolen, at least that security of unlocking to tap-to-oay will prevent purchases from being made. A plastic card, not so much.

It is admittedly more secure.

A stolen card can be used for tap to pay, with not all transactions requiring a PIN with a card. A stolen phone cannot if they don't have your phone's PIN or biometrics.

And most phone tap-to-pay apps will also randomize your card data in the transaction to prevent your information from being tracked or compromised in the event of a large-scale data breach, like what happened with Target in 2013 and hundreds of retailers since.

Exactly. A physical card is simply better in every single way. Imagine the stress when your phone inevitably dies, if you are out traveling and suddenly you have no access to money or communication. Screw that.

It's easier.

👌

No. Certainly not cash.

My opinion doesn't matter though. For most people, it's a non starter. Convince wins every time.