There’s also the risk that credit card companies are claiming that fraud done using your phone app (for example, someone stole your unlocked phone(*)) is not covered, and you are on the hook for losses.
But stolen physical credit cards are always covered.
(*)https://www.fox9.com/news/passcode-predators-inside-cell-phone-theft-ring-drained-online-accounts










Most Americans understand the swing-out STOP signs on school buses: American trams with this type of stop could put one of those at the rear edge of the tram (on the curb side).