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I’m travelling in London right now and have been able to use this multiple times. Can’t believe how easy it works.
 
Bear in mind that the maximum you can spend on your Oyster card in a day is, I think, around £10. So in the worst case that's the most you could lose - nobody would be able to use it in a shop to pay for anything.
I think the compromise is fine and certainly no worse than losing your actual oyster card or contactless credit card
And i recall that you can register your Oyster Card online so if it’s lost or stolen you can turn it off and move the money to a new one. Which presumably you’d do if you are a constant transit user.

And I’d be more worried that you lost your phone cause those are way more expensive to replace
 
Yeah that’s really weird. So if you turn the phone off manually, it won’t work. But if the phone does naturally, it’ll work for up to 5 hours...
Because OFF means OFF. Let's get OFF done! When the phone turns itself off due to low battery, it's not fully off. It's in that "you can still take the tube and I've enough power to keep the NFC chip active" mode.
 
why is this possible using down to iPhone 6S
and my iPhone 8 cannot freakin respond to an NFC tag?
 
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