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Indeed. Avoid any critical service if it requires having an app (or even a cell phone for 2FA, although sadly it's becoming the norm).

I got locked out of Google because my second number was not a cell phone. Back then, they had the option to call and read the code. Suddenly they took that option away and only allowed texting.

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My bank only supports Zelle in the app, not on the web interface, and ever since an update a few months ago the Zelle part of the app suddenly won't load at all on GrapheneOS. There is no fix. So now I can't directly send and receive money through a bank without waiting days or paying a wire transfer fee, because in the United States this ability is monopolized by a private corporation's proprietary service, which can only be interfaced with through one's closed-source banking mobile app.

I don't use Zelle (or Venmo). One can have a decent life without these services :-)

If I need to send money direct, I use ACH. Yes, it takes a few days. And yes, that's fine.

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