What about if you're alone and go to the beach and want to surf? I have this problem with the MS too. Without any removable key portion on the fob, you're stuck not being able to lock the car because you can't go into the water with the key fob in your pocket.
Maybe this card is ok to be submerged in salt water? I don't know.
When I had my Volt, it was the same problem, the key fob has a metal key portion that flips out but it's not removable. So when I went to the beach, I was stuck with no way to lock the car.
This seems more of a surfboard design error than an automotive design error.
You would think that after all these decades, surfboards would have a waterproof compartments like many PWC's.
In any case, I grabbed the shop's '17 Volt fob just now, and yes, the metal emergency key is completely removable from the FOB. Perhaps the 2011-2015 doesn't? That's probably correct, but my daughter is driving that one right now. We have never used the key.
We have accidently washed GM fobs in the past, and they still work.
Not sure about other brands, but this happened to one the Volts a couple years ago:
My daughter realized she left her purse w/keys and cell in the car when she was attending a play.
She borrowed a phone from a friend, called home, mom locked the car, then unlocked it when the play ended. Anyone in the family can see where all four of the daily cars are at any time, and lock/unlock them. This is password protected access.
The Volt can be unlocked from any telephone (payphone/landline/cell/satellite) as can all our cars from 2004.5 up. Or can be unlocked with the key, or with the fob.
The fob/key system works for me personally since I seldom carry a cellphone (all our normal vehicles have integrated phones), and I need to always have a shop key with me to access our business. Our house is unlocked via internet, keypad, or mechanical key. Need to do that for the business.