So you can lose $100 (and you're just as dependent on a little plastic card as someone is with their phone) and get tracked. A little toy avoids both.
I never use my debit card and only use my credit cards. I've been frauded once with my Amex. One phone call they wipe out all the fraud charges. New card sent. Done.
Inconvenience!? Maybe a bit but Amex is accepted nearly everywhere i go.