1. The Price Gap Decides How Many You Own
This sounds like a small thing and it is actually the whole decision. A single Spotminders card is $39 against $45, which is close enough to ignore. But bundled it is five cards for $117, which is about twenty three dollars each, against three Ridge cards for $99, which is thirty three each. The point is not the saving on one card, it is that at twenty three dollars you stop rationing them. You put one in the wallet, one in the carry-on, one in the checked bag, one in the car and one in your partner’s handbag, and suddenly everything you would panic about is covered. At thirty three dollars a card most people buy one and leave the rest exposed.

