Thanks for pointing out these points. The people who are planning to ditch a smartphone completely, please explain how are you going to overcome these problems.
For MFA: I have an OTP client on my PC, as well as the ability to receive SMS using JMP Chat. MFA does not add much security for me since I already use long, randomly generated passwords from my local password manager, so I only turn it on if a service requires it for some reason.
For restaurants: I will tell the waiter that I cannot scan a QR code. If they don't have paper menus because they seriously expect me to have a phone, then I seriously expect that they have a phome that can scan it for me.
Navigation: this is a hard one for me. I have never driven in an unfamiliar location without a GPS. I am trying to minimize driving in favor of public transit anyways, but my roommate has a GPS unit that they said I can have. Will have to experiment with it.
Parking: this just seems so unfathomably dumb, even with a phone I don't think I'd park there.
Insurance: I'd change companies if mine required something like that.