When the whole "there is an app for that" mess started, I could be found saying, there is a browser for that too!
You are right about one thing, and that is everyone is asking whether people have their app. This is constant.
My answer has and will continue to be, "nope."
And yes, I have a browser for that.
The apps I find worth using are all enabling in some way, sensor data, advanced calculator, viewers and the like have real value.
Wrapping transactions into apps where the sole purpose is data harvesting and blasting me ads and offers, adds ZERO net value.
Products that require an app should be considered broken.
Seriously.
All of that pushes people, who for whatever reason choose app dependency, into scenarios like you shared with us here.
That stuff us broken man. You really would benefit from a general reconsideration of your product and service selection means and methods.
What is the product value when "needs your phone is off the table.
Does it have value without a phone? Should it? (In almost every case, yes!)
Please don't take my comment as an attack. Nothing personal here, no judgment either. You are by no means alone. M