Physical and Virtual Wallets

Physical wallet versus virtual wallet

Below is a wallet.  It holds credit cards, $ and identification.  Recently I lost some credit cards and my driver's license. My wallet was not secure and these items fell out.  I got online and requested a new driver's license. This was relatively easy since it could be done online.  I called my bank to request a new debit card. This was a little trickier. I had to go into the branch.  Like a lot of people it's difficult for me to go during the week. I had to wait until Saturday. I go in, go through the security doors and stand in line. When it was my turn, I told the CSR what happened. She requested a new card for me. She asked if I needed to make a withdrawal. I said "no, I'll just use my credit card and transfer funds online from my checking account". I added that "I do all that I can online." She smiled and said that works.  I went on my way.  A couple of days later, I go to log on so I could transfer funds from my checking account to my credit card account.  The screen told me my password was not working and to "click here to change password". I tried that several times to no avail.  I attempted to call my bank and was on hold for about 15 minutes. When I finally got through I was told that my online account was driven by my card number.  Since my card was lost and a new one requested my online access was denied.  Interesting....would have been nice if I had been told that in the beginning.  This representative told me she would change my online access to be driven by my social security number, not my card number and I could use my same password. Technology is great, security is great, but sometimes human communication is not so great. Technology and processes were doing exactly what they were supposed to. Humans, not so much.  Bottom line: I added my credit and debit cards to my virtual wallet. I also bought a new wallet from Zappos using an online gift card. Ain't technology great?!
Questions: any capability to use virtual wallet at an ATM? What about digital identification?

Unsecured physical wallet

Unsecured physical wallet

Better secured physical wallet  

Better secured physical wallet