I recently switched to a Minimal Phone with an e-ink screen, and it sucks (which is the point, obviously). One of the things that sucks is NFC. The payment terminals constantly have a hard time grabbing it, and when they do, they often throw a bizaare "multiple cards detected" error, which is extra strange, since I only have one card stored.

I have a separate sleeve wallet, which I can attach to the back of the phone magnetically that contains my physical debit card + drivers license. If I lost the phone, there's probably about a 50/50 chance that I'd still have the wallet sleeve in my pocket, so I'd at least have my ID and a way to pay for things...but if I lost them both, I'd be pretty screwed.

Convenience is nice, but switching to a shitty phone made me realise I can live without a lot of convenient things, and it's safer not to keep all your eggs in one black rectangle.