i think for most people, losing their phones would be worse, because a phone is the map, translator, cards linked to google pay, basically everything etc

if i lost my wallet, i would just block the cards via the apps in my phone and go through mild pain of restoring my res permit and driving licence when back and ordering a new physical bank card

i only keep sub 100 in a hot wallet on my phone so wouldn't worry about that

a phone and wallet loss abroad would be trickier, first thing would be get online and get a virtual debit card funded so i could not be homeless off the bat and then get a burner phone and get revolut going , then fix the rest from there

more than anything, it's a money issue, i don't travel with anything sensitive or my hardware wallet etc