I'm just going to address your three points with my personal opinions. 1. From a convenience perspective, it is easier for me to manage payments from my phone.

I'm just going to address your three points with my personal opinions. 1. From a convenience perspective, it is easier for me to manage payments from my phone. That's less space being used in my pocket, and less physical operations that need to be completed for me to pay for something. Yes, an individual card does not take up much space, but I rarely carry just my debit card in my wallet. 2. The battery life of my phone is decent enough for me to not worry all that much. I recently switched from iPhone 4 to Droid Turbo and find myself only needing to charge every two days. Also, I use a car charger while I commute if I'm streaming podcast or music, so for the most part I'm not concerned with my battery. 3. Unless you buy things with bitcoin or the like, someone is collecting and analysing your data. I think Google does a better job at security than POS readers and vendors. I've already had to replace my card after home depot and target breaches.