Of interest, and I really don't know as I've never had a smartphone, if your phone is stolen, what stops it being used to pay for something? The point of the convenience was - I thought - that you just swipe. Couldn't a thief?
Also how do you do anything if your phone is gone - travel, call, let the bank know, buy a new phone, let your partner know you're in trouble, anything?
Also how much is you phone worth? A quick look suggests ~£1000 for an iphone 11, although I guess that's needlessly high, but you're carrying a large cash equivalent, highly attractive? I've never had £500 or the equivalent in my pocket, ever (max ~£350 for 1/2 hour IIRC).
And cash doesn't break if you sit on it. I'm not entirely convinced of your case quite yet.
Also how do you do anything if your phone is gone - travel, call, let the bank know, buy a new phone, let your partner know you're in trouble, anything?
Also how much is you phone worth? A quick look suggests ~£1000 for an iphone 11, although I guess that's needlessly high, but you're carrying a large cash equivalent, highly attractive? I've never had £500 or the equivalent in my pocket, ever (max ~£350 for 1/2 hour IIRC).
And cash doesn't break if you sit on it. I'm not entirely convinced of your case quite yet.