I guess the study is US-centric, but most Germans I know carry id and driver's license, so that's 100 EUR to replace already, plus getting appointments for reis

I guess the study is US-centric, but most Germans I know carry id and driver's license, so that's 100 EUR to replace already, plus getting appointments for reissue and waiting. That can be a lot worse than the phone, because that's in addition to your cash (10-100 EUR on average I'd say) and the fees for bank and credit cards. But yeah, if I only had to call a number and get one credit card reissued I wouldn't care either :P