Well except that if you are doing it with cards you have to worry about being skimmed. Here in Canada they have chip and pin but guess who gets stung with purchases 4 out of 5 times when it happens because it doesn’t ask for the pin all the time.

Now if you do it through a smartwatch, phone, or some other device that can’t be skimmed when it isn’t being used, then that is the way to do it.