Personally, I sometimes have my phone in my hand already. If I don't, then I can usually use my Apple Watch. If not, then yes, Apple Pay with Face ID is a bit

Personally, I sometimes have my phone in my hand already. If I don't, then I can usually use my Apple Watch. If not, then yes, Apple Pay with Face ID is a bit inconvenient, but not as inconvenient as carrying around a wallet everywhere would be. In the past, I encountered credit card readers that wouldn't work with Apple Pay often enough that walking around without a physical credit card felt like a gamble. These days it doesn't.