The convenience of bundling is greater than my perceived risk of theft. Maybe if I lived in a place where pick pockets were more common, the algebra would change. Also, my wallet case only has 1 credit card and my drivers license. It’s pretty easy to cancel a credit card, and a new driver’s license isn’t hard to get.

They lost ~$10b in net income in Q4 '22 and Q1 '23 so definitely a company in some level of distress, but Q2 saw them ~$7.5b in the black.