I use and love Apple Pay, but it's not ideal for every situation. The biggest flaw is that it requires waving your expensive phone in the vicinity of the reader

I use and love Apple Pay, but it's not ideal for every situation. The biggest flaw is that it requires waving your expensive phone in the vicinity of the reader. Apple Pay is more risky than contactless cards. There is a risk of dropping your phone or it being stolen out of your hand. I only use it in controlled indoor environments, like at a retail store, where I have enough personal space to feel comfortable getting out my phone. If I want to pay at e.g. a stall in a crowded market, I'm using my card.