Depending on the arbitrary counting methodology you want to use you could easily say this is the same amount of steps. For your physical wallet you take wallet out, you get money, you swipe, you sign. For Facebook the first time you open a chat with your friend, you click button, get wallet out, you enter information, you enter amount, you send. The subsequent times it's you opening a chat with your friend, clicking the button, entering the amount, sending.

I'm just trying to illustrate that the amount of steps required is arbitrary and doesn't really indicate security. Sure feeling uncomfortable is fine but at least this way is safer than a physical wallet simply because you can't have your cards or cash stolen and worst case your phone is stolen you can login on a computer and deauthorize the phone (plus you can use a pin).