Re: Define "regularly"
I've stopped carrying my wallet around nowadays...
Paying by phone is somewhat more secure than by contactless card - because I have to unlock the device (either by passcode or biometric).
Do most mobile wallets pass the debit/credit card details to the merchant, or just a one time token. Because if you don't trust the merchant then that might be another driver for mobile wallets.
Personally it just means I only need to carry one thing, after all it's replaced the walkman, books, the camera, the calculator, the diary, the alarm clock, the address book, the Filofax... the library even...
Why not replace a bit of plastic as well?