Why do you need a chip in your body, if these chips can be hidden in any piece of jewelry on your body? < Necklace, Ring, Ear rings, Arm band, Watch etc?.> Most people only use their phone, so implants is basically overkill. There might be some attention seekers who will go to the extreme to implant these chips, but I will definitely not do that.
I would rather lose the wallet if it was embedded into a ring, than having to lose one of my limbs, when I get robbed.