How are you going to buy things when you leave home?
In the country I live in, which is a highly online and highly mobile first country, a sizeable minority of businesses no longer accept cash. A few no longer even accept cards.
At these businesses, there is only one way to pay, which is to pull out your phone, and initiate a transaction through your mobile banking app, you scan a QR from the vendor and approve the transfer.
Mobile banking is so ubiquitous that often these businesses don't even have signage outlining their payment policies, or it's tiny and hard to find.
Some banks do not have an online banking website, the only way to access your money and make a payment is to use the Android or iOS app on an unrooted device, or physically go to a branch or ATM.
You go somewhere, you buy, at the end of your meal or whatever they tell you phone only, no card, no cash.
It's prevalent enough that being outside of your home without an unrooted Google or Apple operating system physically on your person is a significant impediment to buying basic things, like a meal.
Apple and Google will, through a variety of technical changes, seek to make this the case in all of the world, and in some countries they'll succeed. So the important question now is: how will it go down in the next 10 years in your country? How far under their control is your society going to fall?
Banking, money and payments. Limiting those in the name of security is how they will get you on everything else.
They will take away cash and cards and there will only be payment apps, on approved secure OSes which you can't "tamper" with (aka install "unauthorized" software like VLC or a Youtube alternative on), or else the payments apps stop working.
They will take away SMS OTP and there will only be TOTP, because it's more secure. Then they will replace the OTP with a facial scan, because it's more secure, people were being social engineered into giving someone those numbers over the phone, etc.
This is all in process. They don't even hide it, they just say it's for security. It is already happening in countries that are highly online and highly phone-centric.