They don’t, until they do. Or until you drop them and fall in a bad way and break, or until you forget them somewhere or lose them. I mean, I don’t really care, you do you; but you seem really hostile to the idea of carrying a small wallet with your cards while trusting everything to an electronic device that might fail for no apparent reason.

I already got once in a situation where my phone died and having my cards with me made the whole ordeal way easier than if they had to figure out who I were without any kind of id. I really hope you don’t ever get in one.