Let me break it down for you in small, easily understood steps:
1. OP asked for recommendations for a wallet that met a few criteria he outlined
2. You derided him for carrying too much in his wallet.
3. Therefore you did not answer his original query but instead moved the discussion to a topic of your own choosing.
4. Ergo, your diatribe was OFF-TOPIC
Actually ericj wasn't exactly on-topic either, but since he is a self confessed nut we'll let him off