fail on fail.
Stickers can't be made "ready to bonk" and are, like NFC cards, always ready. Plus there's the issue of e-pickpockets who can use higher-powered radio gear to lift your bonk details from a distance. And anything the terminals can do, a criminal will attempt to redo, including challenge-response systems. That's why the newest bonkable passports have metal in their covers. Say hello to the tinfoil wallet?
As for being lightly dressed, people that lightly dressed are probably wearing pocketless clothes, meaning they're actually more likely to be carrying NEITHER while their importance in emergencies tends to mean if they have room for one in a purse or pocket, they'll be bringing BOTH.
Not to mention bonk cards seem to be a bit fragile. I've had two stop bonking on me. Apparently, the wear and tear of life in my wallet has broken both their antennae.