You can still access your Wallet while hard-locking your iPhone.

After discussing hard-locking your iPhone a few days ago, it turns out you can still use the Wallet app by double-clicking the Power Button to access your boarding passes, membership cards, and Driver’s License in participating states.

You can also pay with Apple Pay, but you would have to enter your Passcode which I would argue is more dangerous in that situation since you’re probably around other people.

You learn something new everyday.