Let’s face it, that back pocket “hipster” billfold is far too bulky. It causes tears in trousers, and whatever ligaments hold together your spine. Sitting on a bulky wallet is a recipe for pain. Think how pleased the recipient of a sterling silver money clip and a beautiful coat wallet or card case will be opening these presents on Christmas Day! The prospect of being more elegantly accessorized and pain-free? It justifies the splurge.