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

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

You can put the card in the phone case and use it almost as if it’s Wallet.

If I leave the house, I need my ID, which is in my wallet, which also contains my debit cards. Perhaps your workflow is different, but I would gain nothing from using a wallet app, so I don't.

I used to be in the camp, until I discovered how fast it is to tap my phone at transit vs taking out wallet, taking my card out of it, tapping and putting the card back and then the wallet back, especially if the phone is already in my hand.

Not the original parent comment but for my life I don't need to carry a wallet most times, my ID is also digital, I leave the house with only my phone the vast majority of times.

I only carry my wallet with my physical ID card when I know it will be needed: doctors' appointments, traveling to other countries inside Schengen, etc.

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).