As a single datapoint: it has been years since I used a physical card. both payment or public transport. Always use contactless payments using my phone.
It is a case of grabbing your card vs grabbing your smartphone and fiddling with it. That card could even be carried in one of those phones cases with a card holder.
The only major difference is in case of stolen phone vs stolen card. But every system has its drawback. It could be super annoying if you get your account suspended unexpectedly while you are away from home.
In my particular case I don't want a google account anymore and would hate relying on google to manage my payments so it is a no go for a start.
- I prefer running FOSS apps on my smartphone
- I want to be able to install anything I want on it without relying on what is accepted by a "store"
- I don't want an Apple account
- I want to own and be able to have the shit I want running in the background (like syncthing)
- I want to be able to access my file the way I want, including using a shell
- I want to be able to run any linux app
- and more inportantly I want to be the owner of my phone, not merely the user of a license to use it following the term set by a company from an hostile nation
Now I’m at a point where Android itself, even Pixels feel that way. I really tried to make the Pixel my daily driver. In hindsight, it was just too naive of me.
What are all the use cases that let you avoid Play?
Being able to pay with your phone is just too useful.