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