Exactly, that’s what I meant, this is a subreddit for dumbing down answers to make the answer digestible, both our descriptions are practically the same

The point of the last paragraph was to state that the phone can’t always be scanned while you card can

An NFC is a signal, your card emits that signal which acts like a password to your bank account.

Instead, your phone can scan and copy this signal, and then emit it themselves to mimic this code and appear to be the card doing the work

Security risks, sure, but it’s way riskier using you card since that’s always emitting the signal, your phone is not