I also actually _like_ having a physical card that I can use with NFC so that I'm not fecked if my phone dies/breaks or anything. Physical cards to me are a feature.

Yeah, it's not like I carry a stuffed wallet any longer, but I do have a small front pocket wallet with a handful of cards. It's actually easier for me to pay with a card (and increasingly mostly just tap it) than to pull my phone out and do whatever with it.