I doubt that a lot of travelers think past losing their smartphone and/or wallet. How are they going to call the bank "back home" if they don't have a smartphone or the lost card with the number to call, and they don't have cash to buy a new smartphone? Then, there's populating the replacement phone with the information you need. I'd get real hungry in that time. If you're always traveling in a group, you're probably safe. I travel solo. That's not a romantic notion. It was a work thing... I usually don't have a buddy like you to tap, except in Thailand and China.
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