I'm not sure infrastructure supporting this is quite there yet - at least in my area anyway. I live in Arizona, so car insurance on a phone is acceptable. But we haven't gotten to ID yet. Right now, I also wouldn't want my wife to be out without her physical ID (she was born in Los Angeles, but is Latina). We are not so far removed from Joe Arpaio being sheriff after all.
I routinely get gas at either a QT or a Circle-K and both gas stations have periodically had their issues with payment systems. I don't want to show up on the day they are only accepting cash because the system is down - again.
Walmart, where sometimes we visit 2-3 times per day, does not accept Apple Pay. CVS, where we have our Rx, does not accept Apple Pay. Alternatively I could use Google Pay, but they don't accept that either. It's a hassle using their apps to pay.
Also, I have yet to come across a medical facility that will accept a photo of my health card and not the actual card. They all want to scan a physical card.
ID cards for car insurance are already in the cars, so having that on our phone is a bit redundant.
I think in the rush to make everything digital and easy on ourselves we ultimately end up sacrificing some safety nets. What if my phone dies? What if someone steals it? What if I drop it down a manhole? Or if it breaks? Where am I then? Admittedly, stuff like that is not likely to happen and the same could be said of the items in our wallets (or purses). But there is (to me) something reassuring in being able to present physical ID or other cards for other things.
All some prick cop or security person has to do is say 'That's not real'. Whether it is or not isn't debatable right at that very moment.
