Most phones have an NFC chip. Almost all PoS machines now support tap and pay. Yet somehow, with the exception of amex and samsung pay (on select phones), there’s no option to add all your cards in an app, and tap your phone to make contactless payments. Carrying around a card today would be pointless, if tap and pay was enabled by the card network and the phone app.
I used to have an amex card, only for tap and pay using phone.
In place of that we carry a phone and wallet. Phone for QR payments, card for tap and pay (or dip and pay) payments.