Face-time can be magical. Especially around the holidays. When clusters of your tribe gather in geographically disperse points. But you can still experience a simulacrum of "presence".

But author has a point about banks being particularly egregious offenders of phone dependency. They are progressing. With voice print and zelle. As well as iris scans. But I still need face to face in person meetings about once per month. And though face authenticated live full duplex video can serve as a proxy. Trust that is built from a personal connection may never be disrupted.