No, but it's incredibly convenient? Same way I don't carry a camera because my phone has one

Yeah do that. I’ve just started doing this again. I have an iPhone but Apple Pay crapped put and I couldn’t remember my debit card pin. This was on holiday in Germany so I was up shit creek. Turns out wallet apps help make you stupid.

Gone back to physical cards.

> I mean, is it that much of a hassle to carry a debit card with you?

In order to be exposed to targeted advertising? That seems excessive for the end goals (not mentioning the fact that you cannot opt out).