I barely keep my phone on me, period. I hate the thing.

So, Gen z just like doesn't carry those or will have maybe one at a time if they have to just hanging loose. Yeah, it's weird.

I usually get plastic sleeves with those, so yes, I just have a stack of cards in my pocket. At least I can fit it in together with a phone.

Although I don't know how to deal with coins. A jacket brings me extra pockets at least, which is why I can more or less only use cash during winter.
Buying a wallet requires a choice. Searching for something right, and I am too lazy for that, so in the pocket it goes. Unfortunately, I often lack pockets. So if I am not traveling, I'll just leave out my phone, so I can still fit in keys, cards, and a shopping bag. After all, I don't need a phone most of the time anyway.

I used to have a separate wallet, but i switched to this magnetic billfold thing that attaches to the back of my phone. It has enough room for an ID, credit card, debit card, and ond of those tile locators shaped like a credit card. Unfortunately these are horrible for user privacy, but it helps me find it if I lose it. In a pinch, it can also hold a small fold of cash.

I almost never need the other things my old wallet held: insurance card, cash, other credit cards or gift cards...? What else did I even carry? I still have my old wallet at home and a small box I use to keep other ID cards, gift cards, etc.

The magnetic thing also doubles for a hands-free phone stand if I want to set the phone down on a surface and watch tv while I'm eating lunch or something.