Your physical wallet might also get stolen, and you can be left without cash money.

It's a good practice to keep an emergency debit card at home. And/or a gift card with a couple hundred bucks on it. That's for digital expenses.

And you should also have a bit of emergency cash.

Meh, I’ve been giving out my credit card number willy nilly to merchants for 20+ years, and it hasn’t been used without my authorization over the course of what must be tens of thousands of transactions.

I have a text alert setup for transactions, so I presume I’d be able to successfully challenge any fraudulent ones pretty quickly.