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Comment by andrepd | Hacker News Reader

I mean, is it that much of a hassle to carry a debit card with you?

No, but it's incredibly convenient? Same way I don't carry a camera because my phone has one

You can put the card in the phone case and use it almost as if it’s Wallet.

If I leave the house, I need my ID, which is in my wallet, which also contains my debit cards. Perhaps your workflow is different, but I would gain nothing from using a wallet app, so I don't.

Not the original parent comment but for my life I don't need to carry a wallet most times, my ID is also digital, I leave the house with only my phone the vast majority of times.

I only carry my wallet with my physical ID card when I know it will be needed: doctors' appointments, traveling to other countries inside Schengen, etc.

I used to be in the camp, until I discovered how fast it is to tap my phone at transit vs taking out wallet, taking my card out of it, tapping and putting the card back and then the wallet back, especially if the phone is already in my hand.

I find it a bit dystopian to imagine that everyone has to carry ID all the time. I know lots of countries do it, but I've never had to and I'd like to keep it that way.

(I'm aware that some places I've been to require foreigners to carry passports at all times but luckily it's never been an issue.)

To be clear, I live on a farm 12km up and down small mountains from the nearest town of any consequence, and 21km from the town with a supermarket I can afford to shop at-- so if I'm leaving for anything but exercise, it's in a car, and the fine for not being able to produce my license if demanded by a cop at a traffic stop or checkpoint is around €50. They're actually not allowed to randomly check ID for no particular reason on the street in Ireland.

Even so, I think I'd prefer to keep my fondleslab and access to all my money as separate concerns. For example, were someone to grab my phone and run (in Dublin, perhaps), I would still have everything else. If I got mugged, well then, I'm getting mugged for everything either way. Plus I prefer cash whenever possible.

My Google wallet replaces not just my debit card but 3-4 supermarket rewards cards, gift cards, gym pass, train & plane tickets, some car parking tickets, and can be used to tap on and off buses and tube trains. It's surprisingly convenient not to have to have my wallet with me whenever I leave the house.

Yeah do that. I’ve just started doing this again. I have an iPhone but Apple Pay crapped put and I couldn’t remember my debit card pin. This was on holiday in Germany so I was up shit creek. Turns out wallet apps help make you stupid.

Gone back to physical cards.

> I mean, is it that much of a hassle to carry a debit card with you?

In order to be exposed to targeted advertising? That seems excessive for the end goals (not mentioning the fact that you cannot opt out).

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