The difference between cash and using physical wallet is that if someone steals your physical wallet they cant use it unless you give them your access code (that i dont think you would). Also if that happens you can remotely change the access code inmediatly instead of calling your bank and ask them if they can change your access code. You have fully control of your money, you dont need a third party to help you.

The physical wallet has two authentication method, the one in the sd-card and the one in  the encrypted wallet.



The advantages are far superior.