Most of the time, I don't carry a wallet so I just use my phone to tap and pay at the store. To get to the store, I use my phone on the bus to tap and buy ticket. To get back into my residence, I need to use the app on my phone to open the main gate as well as access the lift.

I can still do the first two without the phone but my housing society has eliminated physical cards with basically zero consultation.

It is basically a losing battle.