Don't underestimate tech-savy users' influence either. I could easily add 7+ people to the user base next replacement cycle.
If features like phone calls, SMS, the camera and most regular apps work (especially banking apps, sadly), they'll be happy and receive free indefinite support from me.
I wouldn't use banking apps myself unless they open source them, but I'm willing to make a concession and support my friends' issues with such apps.