Technology has a ratchet effect at scale - as a solution becomes widely adopted, it switches from being a convenience to being a necessity, because people start building more stuff on top of it. It's as true of to-the-minute accurate clocks as it is of smartphone banking.

You can still run a version of Word from 2004. It's fine, if all you need is to write some thoughts down for yourself. But the moment you need to collaborate with other people via a Word document, you'll find it difficult without the modern version with all its user-hostile aspects - and more importantly, other people will find you difficult to work with.

Same applies to other software, web and smartphones, and to everything else in life - the further you deviate from the mainstream, the costlier it is for you. Deviate too much, and you just become a social outcast.