Sorry to hear that, but with all due respect I wouldn't have even bothered typing the post. There is little, if any, chance of getting a stolen phone back, but as a mobile phone retailer I have advised people for years to NEVER EVER use your phone as a wallet. You wouldn't carry a large sum of money in an envelope so why carry it in your phone? Few people actually secure them or even know how to, but given how easy it is to carry a credit or debit card around there really is no point in using your phone, it's just a gimmick.
For the record I, lock my cards and have a £100 maximum withdrawal limit in case I lose my card or have it stolen. It only takes a few seconds to unlock it again when you want to use it for a large purchase. It also gives the bank a red flag if somebody tries to use a card for more than the limit you have set. Any unauthorised use of the card is covered, I'm not sure if the rules apply to details stored in mobile phones though. Same with your computer, never store your card details in your PCs' "secure" card wallet.
I do hope you get a positive result from this, and if nothing else I hope this helps someone.
Incidentally there's nothing unusual about the bar not having cameras, CCTV blanket coverage is mostly a UK/US obsession. It's not that common in most other countries. Only the US and China have more CCTV cameras (think about how small our country is and you get an idea of how absurd it is), and only Italy (I think) has more speed cameras in total, but we have more per mile.