I'm 40; I stopped using email in 2016 (save temp-burners for a few necessary signups); essentially never do I carry a cellular phone, nor do I app/text.
My bank treats me like a criminal, locking me out of online banking; occassionally they cancel my debit card ("didn't you see our app notification?!"). Jokes on them, though: I live one block away from this bank, so I just walk in constantly to ask them for account balances/transactions, and to poke fun at their ideas of security (e.g. text 2FA, which login.gov specifically declares "bad practice").
It's actually kind of nice, having built rapore with a few of the tellers who already know why I'm visiting their location so often: bad company policies, dependant upon smartphone apps.
Should physical identification ever be legislated out of existance, I'd probably just expatriate (at this point, semi-retired).