My phone points the way to the nearest tram stop or train station, and the app within is the emergency ticket home too (although I also have a €20 note and some coins secreted away too for an emergency cake or tram fare).
It goes in middle back pocket usually, unless I also have a GPS or camera, in which case they go in side pockets to balance things out a bit.
Not all jerseys are MAMIL’ed up lycra style. Most of mine are baggy MTB style but with pockets, or generic going for a sensible ride style jerseys.
Dunno how people are fitting phones in shorts pockets… mine would snap in half if you tried that.