yes, thank you. I posted a referral link, trying to spread the word and save some $$.
I just read the faq's over again.
its $50 if you preorder
If you can't keep track of it/lose it, then you shouldn't have a credit/debit card in the first place i would argue. but i'm pretty sure that if you did, you would still have all your old cards stored away at home just in case you did in fact lose the "coin." so yes, you would have back ups.
if you lose your phone... it says its possible to pair it with a new phone so that answers that.
ahh.. my new ski bag