Yes, "phone's wallet" actually means Google Wallet or Apple Wallet. Stuff I add there works for me instantly every time, even with crowded venues and zero conn

Yes, "phone's wallet" actually means Google Wallet or Apple Wallet. Stuff I add there works for me instantly every time, even with crowded venues and zero connectivity -- as long as I get it ready in advance. (Not that I am defending this. I'd rather carry a paper ticket, since paper is more durable and far less complex than a phone is.)