If I’m not going far, not driving or not planning on spending much then yes, wallet stays at home.

Otherwise, if I’m driving then I’m taking my driving license with me (you never know), if I’m making a purchase over the contactless limit then I need to take my actual card with me anyway, or if I’m away for a longer period then I might need cards that I don’t have linked to my phone (like my corporate card - like fuck am I putting that in my phone).

And for all that, I’d rather have a wallet instead of just a loose amalgamation of plastic in my pockets.