I went phone-only for payments and it was great not having to carry a wallet.
Then one day I was in Plymouth and drove into a car park advertising card payments - turned out they only accepted cash and not contactless. No app available.
When I came to leave, I could not pay. No problem I thought, there’ll be someone to help me. But no, car park is now unmanned and the council phone number only operates 9-5 Mon-Fri and it was Saturday.
“Never fear!”, I thought, I’ll walk into town and get some money out. But then none of the shops would give me cash without a card. “Not a problem” I thought, the bank is open on Saturday mornings.
45 minutes later the bank told me they couldn’t give me cash without ID and my phone wasn’t an approved form of ID and then they told me they don’t have access to the cash safe on a Saturday…
Eventually I got out of the car park by driving to the emergency barrier and pressing the emergency button and persuading them to let me go.
Since then I always take my wallet with my phone, even though I almost always pay on the phone.