I've had a wallet with a back protector for years and I absolutely swear by it, the plastic photo holders are a little flimsy but I still keep them in my wallet. Not only is the lifeguard easy on your back, it also makes it much harder for a pickpocket to get to something in your front pocket. I'm ordering another one because I'm rough with wallets and just want a newer one. Four stars because my daughter says there is always something to strive for!