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> Maybe a PAYG phone which stays at home on my network for particular needs like banking.

If you're only doing banking at home, why would you do it on such a tiny little device?

They probably mean for TAN apps

you won't even be able to use the closed phone remotely from your main one since the restrictions wont allow remote software to see or interact with the screen

> Emacs on my phone sounds lovely!

Meanwhile, you can use it in termux if you are on android right now.