this post was submitted on 16 Jun 2024
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I think it depends on where you are more than your age. I very rarely carry a wallet on me and I am definitely not Gen Z. That being said, where I live, every legitimate (i.e. non laundering/tax dodging) business accepts paying by phone. I can use public transport by scanning my phone, I can prove my ID by showing my phone, I can claim medical benefits by using my phone, and every franchise has it's own loyalty app I can download on my phone.
That's pretty horrifying. The perfect dystopia waiting for collapse when a server fails or a there is a network outage or infection.
If that's going on I promise you have much bigger concerns than how to pay for some mcnuggets. The same thing can happen to any credit card processor as well. Not a bad idea to keep some cash at home, but for day to day, hour to hour stuff there's no need to bring it anywhere.
Difference is, I get to eat my McNuggets.
The problem with that is that if you lose your phone while out and about, you've also lost all hope of paying for anything to get home.
No different from losing your wallet back in the day. Except I can log into my Google accounts on literally any Android phone (plus my yubikey) and get it all back.
Still, I will put a credit card in a different pocket sometimes when I am going out drinking just in case. If I'm really stranded I'll call the police from that bar, say my phone was stolen and beg them for a ride.
Not that much different to losing your wallet before you could pay with your phone
phones can stop working
That's true, I only relied on my phone until the first time it just didn't work for no reason haha
I don't have wallet, but I pay mostly with cash and carry social(student) card that works as public transport ticket and also works as state healthcare card.
I don't see it as benefit at all
Where I live, 90% of places have a working tap to pay, but 10% still need that chip to be entered.
Annoyingly, the convenience store chain (part of Circle K) that I buy snacks at, tap to pay only works for credit cards not debit cards.
Good ? Never use debit cards. They aren't subject to the same fraud protections...
Why the fuck anyone would think giving anyone direct access to their banking account is a good idea. Sheesh.
Not sure why down votes, this is financial security 101. Some debit cards have gotten with the program but.... Still cringe. I do keep one on me but it's a free account I keep a bit of cash in, not where direct deposit goes to.
It's almost cult like, some people's "attachment" to debit cards. I've been called all sorts of things for pointing out how BAD it is to use them for everyday transactions.
Literally Home Depot is the only place left which doesn't have phone payments, and they really need to get with the fucking program. I wish more people would shame them for this.
Walmart is another weird one. They have phone payments but only using their app. Which is some real "company town" BS.
i really dislike the idea that my life could come to a complete halt if my phone stopped working in the middle of the day.
Really need a first party app for credit card payments. I'm not going back to Google having control over my phone and you can't use GPay unless you let those scumbags watch you.