Unfortunately there are still people that will have no idea that this happened, like older people, young people telling their parents to buy them the game etc. etc. Point is that this will never hurt gamings economy not even by a small margin.

Only advantage i can think is losing your wallet with all your cards inside and cash. Otherwise I agree with you there isnt a whole lot of differences

That seems to be the way honestly. I never leave home without my wallet, its just that i have gotten brainwashed thinking digital payments are better. The only thing i van think of being better is losing your physical card but then again you can just disable it immediately and ask for a new one.

Looks clean and seems to aim for privacy

I never thought about that tbh