The FOB is not the problem, it's the wallet!
I have a card holder glued to cell phone. I carry only necessary cards/ID. So that replaces wallet and I will never have a wallet again! Small key chain for FOB and into the pocket. Thus, either two full pockets (phone/wallet and key fob) or just one full of you carry your phone in your hand.
Only risk is if you lose/misplace your phone.
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