I concede that's a drawback pushing us more dependent to owning and carrying a smart phone at all times. But I would say payments just piggy backs on a societal change that already makes it very challenging to opt for a brick phone or nothing.

Also to say, cash remains. That's more radical and effective as a fall back than a card which one can lose. When abroad I remember the anxiety of losing my wallet when abroad. With a phone, it's actually less problematic to walk into a shop, get the cheapest android in there and set up all my banking on it. Half a day of a holiday wasted, that's an acceptable inconvenience given the risk. Losing a card, not really.

There is no such societal change except this pressure itself. A plastic card is affordable, accessible, private, and easy to use for just about everyone. Smartphone not.

> Also to say, cash remains. That's more radical

?!

> and effective as a fall back than a card which one can lose.

Cash loss is a thing, actually. Plus cash is more attractive for theft.