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For a lot of us who have to use payment apps, banking apps, government apps, these two are pretty much the only options. :/

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I bought a cheap burner phone for the banking and government apps. It's connected to a Google account with fake details and stays in a drawer by my desk.

This 100%. If it comes that that in the U.S. and there is no other practical alternative, I will buy the cheapest Android phone I can find to run those locked down apps on it when needed, and leave it powered off the rest of the time. All my personal business will continue to be done on my Graphene device, that's non-negotiable.

That sounds terrible! What country are you in? (And what happens to seniors, or people who can't afford a phone, for instance? )

I'm in India. Usually seniors etc... Just ask family members to do their transactions. My mom basically does all the transactions for my grand parents..

For the people too poor to own a phone, they just use cash in most places they can... To put things into perspective even road side beggars/homeless people just show you a QR code on a piece of paper for where to pay them these days..

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