I just bought a Loop Pay fob, and in conjunction with Apple Pay, I now no longer carry a wallet of any kind. If I get cash, they just go folded up into my pocket. Now I carry my phone, the fob, and a drivers license. Before that I would carry about 20 cards with me, I kind of wish Apple embedded Loop Pay in addition to NFC. Of course I'll always try Apple Pay first before resorting to my loop fob.