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I agree with the premise but not the details. I want my phone to be my keys and wallet. Coin will consolidate the 3 credit cards I have to one, but I still need to carry a wallet to hold my driver's license, gym card, medical id card, and Clipper. There are (few) cars and after market solutions that allow me to start/lock/unlock my car with my phone, but they feel half baked, and it's not ubiquitous yet... most new cars you can buy in the foreseeable future will come with keys and not an app. Replace my wallet and keys, Google or Apple or Microsoft or (YC company). It's time.

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