"I keep my debit card in an RIFD enclosed folder in my wallet, that blocks any skimming, and I also have my handbag lined with RFID blocking as well."

Until you remove it from the sleeve and there is a skimmer under the counter.

It surprised me to find out that the CCV is stored on the chip as well.
Great general precaution though.

Do RFID-Blocking Wallets Protect Against Identity Theft? | Money

How would the crims get a card skimmer under the counter without anybody's knowledge?

Unless the shop owner was compliant.

Got to love - a cashless society.

Cards - well - how many - how much - has been lost.

I was with Westpac - locally they closed  so I opened an account with CBA - they are right next door to the market.

I go in - withdraw cash - go shopping - and even have something to put into the ' piggy bank ' when done.

Not into living my life on a phone - not into have to put info on the nets - the inconvenience of being hacked is not worth the convenience of a ' card '.

And just a reminder - only ever keep a smallish amount in these card accounts - only what you can afford to lose.

I also do most of my shopping with cash- easier to keep track of how much you're spending! What's worse than swiping a card for everything is using a digital wallet! Whenever we get stuck behind someone using one at the supermarket, it always seems to take sooo looong and they would be stuffed if anything happens to the phone.

At least with a digital wallet, they can't skim the chip.

As for anything happening to the phone, you still have all your actual cards (hopefully) safely tucked away at home.

And if you're smart, they'll need to have your fingerprint to open your phone if it's lost or stolen.