There are societies today (I live in one) where some businesses are starting to accept payment only through a banking or payment app, no cash, no card, nothing else. And these apps will only function in the very narrow circumstances of "I bought a device which runs software from one of two American tech monopolies and follow all their frequently changing rules for using various software that's unrelated to the payment I need to make." This limitation is mostly in place due to the banks believing it will make things more secure. Security is important, but not important enough that you get to start denying innocent people the ability to make payments or exile them from the banking system because they had some kind of dispute with Apple or Google. Governments need to step in with access mandates here, otherwise this problem WILL come to a jurisdiction near you sooner or later.