Ask Lemmy
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Nope.
Phones crash, apps screw up, Google arbitrarily decides your phone isn't "secure", batteries go dead, cell networks are sometimes unavailable (wallet app requires internet), merchant payment networks occasionally go down, etc.
I don't use digital wallets since the only options are Apple and their walled garden or Google who uses every transaction to profile you for targeted ads and deems your phone insecure should you do anything that might keep their eyes out of your life. But even using my "old school" debit card, I still feel much more secure always having some cash on hand for emergencies.
In india we have UPI and only banks and governments gets the data if using the bhim app by NPCI