And you may get hit by an airplane falling from the sky. Yet people don't stay home because of that. It's a risk assessment. The risk of getting ban from digital payment is not zero, but low enough that the convenience wins out. I haven't carried cash for at least a year, and almost don't carry physical cards nowadays, only my phone. Can I be locked out? for sure. Do I care? Not yet. You are different, of course. I don't tell you what you should do.