I'd tend to somewhat agree, but differ in what I think the big risk is - your cell phone has an internet connection, and a hacker in $foreignCountry can get to

I'd tend to somewhat agree, but differ in what I think the big risk is - your cell phone has an internet connection, and a hacker in $foreignCountry can get to it.. The scope of risks are so significantly larger than the traditional "people who can place their hands on your wallet, or read the number while you have it in the open"...