Yeah, but if I get pickpocketed or forget my wallet or whatever, it has a GPS tracker with cellular coverage that can be tracked because of FindMy.

Can a separate wallet?

Where I live, I’m basically zero worried about pickpockets or thieves, but I’m really worried about my own stupidity and losing things.

It’s not foolish or personally irresponsible for everyone. It would be foolish or personally irresponsible to not take steps to be able to find my wallet when I lose it.