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I'm just old school and I always think of a phone snatch. But I understand what you are saying.
It's still safer. They can steal your wallet and pay for anything trivially. If they steal your phone, they have to be able to unlock it to pay with it.
It's a valid point. I'm just not one to put all my eggs in one basket. That is just me.
...isn't your card one basket full of your eggs?
Really the physical wallet. Or maybe that's a basket full of baskets lol