Credit cards solve this too. Problem if you lose the card you need to pay a fee to make a new one.
And once I lost 10 fiats, only to found then some months later in some pant
Agreed, but a slight inconvenience when shopping with such a card, and I mean in a supermarket, it takes too long, no joke. A line literally forms waiting a few minutes for the transaction to get confirmed, I would only use it in dire situations.