Absolutely this. I can lose my wallet - I know how much that's realistically going to cost me and I'm protected against fraud and theft regardless, save for th

Absolutely this. I can lose my wallet - I know how much that's realistically going to cost me and I'm protected against fraud and theft regardless, save for the headache of making a few phone calls. The world really hasn't appropriately quantified our reliance on little black fondleslabs.