That's a good point. I have some thoughts on this. For several years now I keep wondering why I have to carry a phone AND a wallet everywhere I go. My payment information is all digital anyway so why do I need to carry these plastic cards with me? They can fall out of my wallet or be seen by others while standing in line. They are just a hassle and you always have to guard them. On the other hand, I have this electronic device with a Touch ID sensor that so far has been proven unbreakable. So why can't all my payment info be stored on this device? I keep wondering why we couldn't do that. Then Apple released Apple Pay and evidently I wasn't the only one thinking that. Many people were thinking that too. As for device theft,... it doesn't matter. My phone is useless to someone else without my fingerprint. I would just love to get rid of my wallet. It has 3 things in it. Drivers license, credit cards and a $20 bill I carry around. And that's it. I can dump the $20 bill and put the rest in my phone and throw away the wallet. That would be so nice. Heck, someday we could probably do the same thing with our keys.