Last Saturday, I failed to add money to my ewallet (the only passcode I do remember) because 

a) there was no phone signal at the back of the basement of the shopping centre where pork and booze have been exiled to (Jaya Grocer (Trendcell Sdn. Bhd.) ) and 

b) when I tried to do it at the front of the shop where there is signal, the app sent all my attempts at once, confusing the bank which then decided I had to approve via a pop-up from their App. 

The bank's App doesn't work unless I turn off the security on my phone - no irony there, then. 

Doing that requires a reboot. That done, I made another attempt to add funds, now the bank's systems are suspicious (it must be my fault the tech is rubbish, right?) so now it wants me to open the app, not just respond to a pop-up. 

That means I need the password. Do I know the password? No, of course not. I don't want the pigging bank App on my phone in the first place and for sure I'm not going to carry the password round on the phone. The password is stored in an encrypted file on my PC, in a locked room in my flat, 36 stores up, behind a steel door, behind three layers of physical, two layers of human and two layers of electronic security. 

And the bank, which insists I use their App to access internet banking and to make payments from internet banking tells me that carrying around access to my financial details on my phone is a good idea. 

So, in the supermarket:  fall back. Cash is not only king, it works. And I don't need a password to use it.