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.
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'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.)
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.