Something I have on me at all times

Versus

Drive to the bank, wait in line, talk to someone who misunderstands me, fill out a deposit/withdrawal slip, and also if it’s not 9AM - 5PM I just can’t do this at all.

You must know most people only have their phones when they are running errands, at work, etc.

Most people only have phones period. Desktop computers are not common.

I'm the same way but we're both posting on hacker news. Many people prefer phones