You're ignoring the question. It's not about ability, it's about failure mode.
I like keys / phone / wallet because you can lose 2/3 of those things and still be fine in you home city.
Lose your phone/wallet? Call a cab, go home, get a backup CC or cash.
Lose your keys/phone? You can buy/borrow a phone / call a locksmith. Worst case you can book a hotel with your wallet.
Etc.
Phone only..... you lose it, what do you do? Keyless locks with codes do offer part of a solution here.
Maybe the right answer in the future will just be to have two phones. Probably a fancy primary and a cheap backup.
I like keys / phone / wallet because you can lose 2/3 of those things and still be fine in you home city.
Lose your phone/wallet? Call a cab, go home, get a backup CC or cash. Lose your keys/phone? You can buy/borrow a phone / call a locksmith. Worst case you can book a hotel with your wallet.
Etc.
Phone only..... you lose it, what do you do? Keyless locks with codes do offer part of a solution here.
Maybe the right answer in the future will just be to have two phones. Probably a fancy primary and a cheap backup.