Not sure why you're being downvoted, I'm exactly the same.
House locks are already electronic/automated, haven't carried a physical house key in year.
Cars use fobs, for newer vehicles there is no option for physical keys anyway.
When I leave the house I take my phone, plus the solo fob for whatever vehicle I am driving. I have no desire to have a ring of multiple physical keys and fobs with me.
What is Rube Goldberg about storing passkeys on a phone? Would you not call a physical lock system based on notches cut into metal a Rube Goldberg machine?