The plastic card can be shut off by the bank web site/phone call/app. Banks also have fraud protection, a quick call will shut off the card and undo any fraudulent transactions. The fear is not realistic. Also why it is good to use a credit card and not carry a bank card. A fiscal firewall.
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If a phone is lost or stolen, at least that security of unlocking to tap-to-oay will prevent purchases from being made. A plastic card, not so much.
The plastic card can be shut off by the bank web site/phone call/app. Banks also have fraud protection, a quick call will shut off the card and undo any fraudulent transactions. The fear is not realistic. Also why it is good to use a credit card and not carry a bank card. A fiscal firewall.