A contactless card in the back of your phone case?
Note - The above answer doesn’t take in where you’re from since you didn’t state so and I imagine there’s plenty of places that can’t simply do that but…even though I could?
I personally won’t bring my C&P / contactless card out of the house unless necessary since it allows would-be finders instant access to withdrawals from my bank account, without any authentication required whatsoever unlike, GPay on my phone which at the very least needs my fingerprint?
It also pisses me off to be honest that my bank won’t supply me with a C&P, non-contactless card like my last bank did :/