>is there even a need for credit cards? Yes, I don't care for running any of these blobs or other DRM garbage on my phone. And what's the selling point ? I don

>is there even a need for credit cards? Yes, I don't care for running any of these blobs or other DRM garbage on my phone. And what's the selling point ? I don't see the difference between pulling out my card v/s pulling out my phone. Decent security (chip & pin for eg. or other 2nd factor) is perfectly possible with cards. US is just backwards in matters like these. We don't need to beat the security strawman.