> What’s more likely, misplacing your car keys, or misplacing your phone?
good question. I don't know? There are three things I carry with me literally everywhere: phone, keys, and wallet. Any one of them missing in the morning means I have to hunt around the house to find them before I can leave for work. This would not change if I could unlock my car with my phone (I still need to be able to lock my front door and/or let myself in when I come home again, requiring keys)
There are also keyless solutions to your front door. The second time I had to call a locksmith in Shanghai I got pitched on a combination lock for my apartment door.
That's not to say they make sense. The total amount I spent on having the locksmith let me back in to my apartment that year was significantly less than the cost of putting in a combination lock.