Since I don't want to be tracked by the CIA, I don't have a smartphone. I use cash for all my payments on the move and I like it. I have a paypal account, several cards, and several wallets, including one on blockchain.info for easy access when I'm traveling. Frankly I do not like the idea of paying with a phone, or unlocking a car, as I've read recently that it's planned. What I hate about phones is that you can't be anonymous using one. I prefer to use cash, or to take the time to go a fast food, switch on my computer, and make a transaction on blockchain.info via Tor.
I assume you're one of those people who are really super concerned about their privacy. If you do not like the idea of paying from a phone, its okay. As the world of btc and crypto evolves, there will eventually be ways where such issues are fixed effortlessly, let the industry grow and expand. Oh, and also there are phones which are compatible with browsers which allow you to change your IP making the person tracking you seem like you're in a different geographical position. Try it, James Bond.
James Bond
The point here being made is that there are a lot of advanced ways to hide your identity and protect your privacy. And as long as you are not some big shot or some dude's who's doing hideous illegal shit, I don't think CIA gives a fuck about any other human, we all are just insignificant faces in the crowd blurred in strangers' photos. I don't care if somebody is checking on me, I got nothing to hide anyway 
