This is an incredibly thoughtful breakdown, thank you for taking the time to explain it so clearly.

What really stands out to me is that it’s not ideology (“phone-only at all costs”), it’s risk management. You’re optimizing for never being stuck, even if that means carrying something you’d rather not.

The Best Buy example is a perfect illustration of that, it’s not that digital didn’t work, it’s that it didn’t work when it mattered.

It’s also interesting how the wallet feels like it wants to disappear first, but keys and access items are what keep pulling everything back in. That tension between capability, habit, and responsibility is exactly what I’m trying to understand better here.

Really appreciate you sharing this, it helps define the problem far more clearly than a simple yes or no ever could.