The first thing you’ll notice if you ever decide to surrender your wallet is how damn many apps you’ll need in order to replace it. You’ll need a mobile credit card replacement — Apple Pay or Android Pay — for starters, but you’ll also need person-to-person payment apps like Venmo, PayPal, and Square Cash. Then don’t forget the lesser-knowns: Dwolla, Tilt, Tab, LevelUp, SEQR, Popmoney, P2P Payments, and Flint. Then you might as well embrace the cryptocurrency of the future, bitcoin, by downloading Circle, Breadwallet, Coinbase, Fold, Gliph, Xapo, and Blockchain. You’ll also want to cover your bases with individual retailer payment apps like Starbucks, Walmart, USPS Mobile, Exxon Speedpass, and Shell Motorist, to name but a few. Plus public and regular transit apps — Septa in Philadelphia, NJ Transit in New Jersey, Zipcar, Uber, Lyft...

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