Also some weird fear about contactless too I imagine.

You're underestimating how badly informed the public is in regards to technology, and within that, the large amount that are wilfully ignorant and refuse to learn.

I can't see myself ever using my phone as a replacement

I still see loads of people using chip and PIN on transactions under £30, even when they obviously have a contactless card.

I don't really know why. Surely everyone knows that contactless is a thing now.

Half of all debit card payments now contactless