As cardfire said, I just have to take my debit/credit card from where it’s usually stored. I have never lost or damadeged my phone since I got one in 98, that’s more than an hedge case.
And I can also buy on the internet without needing physical access to my cards.
The only use case for physical cards is unfortunately gas stations. So 6 times a year in average I need them.
I don’t even know myself because I installed it via YunoHost