No, I generally don't - smaller clutches are, obviously, too small and most of my larger clutches have large enough internal pockets, anyway, so I just tend to use them instead of a wallet.
In fact, I do that with large bags as well - just dump everything in the internal pocket!
After all, cards and notes don't, generally, need to be contained in a wallet, do they? It's really just coins that are awkward, as they can roll around everywhere in a larger pocket. Sometimes I'll just stick a coin purse in there for that very reason.
Also, one of the reasons I like using clutches is because I prefer to travel light -so loading them up with extra, unnecessary (or barely necessary) stuff kind of defeats the main purpose of them for me.
Actually, I find I don't use my continental wallets inside bags, at all, as I like using them as clutches and I don't want to ruin them. So, it's really only my French wallets that ever get used inside bags and I only have a couple of them, so I guess I really can't feel the need for them, most of the time, can I?
In the case of clutches that are too small to hold a wallet, the only time it really bothers me not to is in the case of my leather and suede-lined ones, as I don't like having to put coins straight into them, as they may be dirty. So, I've been looking for a very small, plain, suede, foldover (I don't want anything with a frame, or a metal clasp, or any other kind of metal embellishment as it may dent the very soft leather linings) coin purse, in a lightish sand colour (to avoid colour transfer to the light leather linings), but to no avail, so far; so I've been thinking of using a sand suede, drawstring jewellery pouch, instead.
After all, people used to use drawstring pouches for coins, didn't they (think Robin Hood, LOL!)?
I may get some funny looks but, frankly, who cares?