If you don't want your payments to be tracked you need to use cash or crypto. Otherwise, just use a credit card. I really don't see how unlocking a phone is easier or more convenient than using a credit card.
Also “unlocking” isn’t an inconvenient step, on iPhone it just happens automatically. As it should on android if the fingerprint sensor is in a convenient location.
It's a good work-out. Almost as tough as pouring a can of soda into a glass. You'll feel the difference after just a week!
There are wallets like ridge that I use for NFC with card, there’re also phone cases with card holders. It’s not like there’s no solution to this problem..
I personally find using a plastic card more convenient than fumbling for my phone and unlocking it (I don't use biometric unlocking as it's not protected by the 5th.) It's also easier to go somewhere without a phone (yes, it's possible) when you have a card on hand.