I’m with OP and, no, I never use my phone to pay for things. It just seems like a gimmick that I don’t feel the need to bother with. I carry my wallet more often than I carry my phone, so it makes sense for me.
It happens to me maybe once every 5-10 years, whereas I open and close various credit card accounts several times a year. So for me it would be far more irritating to have to add and remove cards from my phone's virtual wallet several times a year than to potentially have to order a replacement card once every few years. Most phone wallets also don't give an option to provide a nickname for cards, which is extremely irritating if you have multiple cards from the same issuers, whereas with physical cards it takes a couple of seconds to add/remove cards from my wallet, or to make a note on a card with a sharpie.
I've had my bank overnight a credit card to my hotel overseas before. Not an issue at all, simple to cancel with a toggle in the app or website. Also had them send a new debit card once because I grabbed an expired card without paying attention and couldn't get cash from an ATM once I got to the overseas location. I get foreign cash from my bank before leaving now. For countries that allow it.
