You might be happy to know that with iOS 15, you’ll be able to use Wallet as your car key, open smart locks on your home, and store your driver’s license, in addition to storing your credit card. The only problem is, lose your iPhone and you’re up the creek without a paddle..no phone, no money, no house or car key, no ID. The smart thing is to use your iPhone as a backup to your real wallet and house key, but carry both. I know it defeats the convenience of having everything on your phone, but still, it’s something to think about.