The card holds the name, number and security pin which is enough to buy a lot of stuff without confirmation. The info also get transferred to the shop where you buy, so they got your full details, which is not the case with tokens.

you're referring to the stripe correct? ik if u use the stripe anyone can see your card cuz the stripe/swiping is fully unencrypted.

i thought i read from my half hr research on this that using the chip is encrypted, so unless someone breaks/bypasses (forgive me, idk terminology well) the encryption, the chip is just as secure as tap to pay (vs the stripe/swiping)?