I don't carry my bulky wallet either. The card is bigger in dimensions than the key fob is. And, it digs into my legs and certain angles. Again, never even notice they fob is there.
Not to mention that with the fob, that I don't notice in my pocket, ever, and never, ever have a problem with it working, I simply walk up to the car, the open the door, drive away. Key card, you have to pull it out, place it in the right spot, then place it in the right spot inside the car. If you wait more than 30 or 60 seconds to drive away, have to pull it out again and place it in the right spot to drive the car. A royal pain in the rear for someone like me that is in and out of my car 10+ times a day. Not a big deal for those that do so twice a day to go to and from work. I notice it more because I have to deal with it 10+ times a day.
With the phone in my back pocket, doesn't work half the time. Have to do a little dance around the car to get it to pick up the phone and unlock the doors. Or pull the phone out completely. Plus, bluetooth being on all day drains the battery much much faster, doesn't work 100% of the time as does a key fob. And again, have to carry around a bulky 6x4 phone versus this tiny little key fob that goes completely unnoticed in my pocket. It allows me to walk up to the car and drive away every single time without having to give it a first thought, let alone a second thought.
But, the great thing is.....for those that want to use a key card or their phone as a key, it's available to them. My point is, for $100,000+, don't skimp out on a $175 feature that the majority of people choose to use over the other two options. For those that live with a phone attached to their person at all times, then it's not a horrible option, when it works properly. For some, it works better than for others. There have been endless complaints since 2017 with the first Model 3 about people having issues with the phone key or key card. Virtually NEVER hear about people having issues with a key fob doing what it's supposed to do. Once every couple of years, you have to change the battery.
To each is own. Use what works best for you. Just annoyed that Tesla keeps making cost cutting decisions to a premium flagship vehicle that they've continued to significantly raise the price on.