My phone is the key to my car and to my house - I stopped carrying anything besides my phone 5 months ago.
(I have a wallet case that holds three cards - my CC, driver’s license, and the NFC card to access my car when my phone is dead.)
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The premium service is optional. The core product is just a Bluetooth speaker with a hook to go on your keyring.
I used these years ago. Then the batteries died and I discovered there was no way to replace them. I was irritated and not interested in purchasing replacements, so I threw them away.
Just out of curiosity, what do you use for your car keys (assuming it's a Model 3?) and what do you use for your house?