Right. So if you need physical access to my phone to be able to copy my keycard, I'm not too worried. I'll find out very quickly I don't have it, within minutes

Right. So if you need physical access to my phone to be able to copy my keycard, I'm not too worried. I'll find out very quickly I don't have it, within minutes typically (hours at most). If someone is an incredibly smart adversary, steals my phone, gets the SIM card, copies it, and gives it back without me noticing, I'm f*ed anyway. Or is there a way to copy SIM card remotely??? As for state-level adversary, I get it. I'm even less concerned here :)