To replace smart phone would be take more than a few minutes. Even if you had a store across the street, it will take time download all the apps and configure things the way you had before. Not to mention the inconvenience of having lost some information.
You may back up some info, but few people backup every bit of info on their smartphones including pictures, contacts, videos, downloaded pdf's ringtones, etc. I guarantee you, if you lose an Android smart phone, there's going to be something you don't have backed up.
Yay for iPhone? iCloud backup ftw
Besides, you make it sound like losing a small bit of data is worse than losing MULTIPLE CREDIT CARDS, which is just silly.
I would absolutely prefer to lose my phone instead of my wallet, as it is FAR easier and faster to replace.
You can pay for things with your smartphone, that's the direction of the future, and it has Angry Birds! I would ditch the wallet because otterbox doesn't make a case for it.
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