less hassle, enhanced security. I can spend hundreds of dollars without having to carry that much cash on me, or having to go to an ATM ever. It's more convenient and more secure, which is almost never true today.
Your enhanced security is a box containing more money than you can carry. This box can (most of the times) only be opened with a key but this key is always with you. So whoever steals your force will just force you to open the box
You don't have to outrun the bear.
> and max-spend limits
Ok, now they've got your expensive phone and can spend up to your limit.
Because phones these days are mostly bricks when you steal them. Cash still works.
> Ok, now they've got your expensive phone and can spend up to your limit.
Haha, no, they can't. That's not how any of this works.
But listen, it doesn't matter. Carry cash if you want. I won't. And may the chips land where they may.