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If your daily life includes interacting with a bank then in many cases you absolutely do need a smartphone many banks no longer have websites that can be accessed with a web browser.

Change bank

You you also don't really NEED a roof about your head or a shower or a daily meal even or contact with any other human being. Not really as strong of an argument as you seem to think.

I'll gladly go without a smartphone if you go without ONE of those (your choice). We'll see who feels more strongly at the end of 60 days.

And who are you to tell, me what I need?

You went from want to need. Maybe you should self inspect about want versus need.

Erm, I wrote "want" - you wrote "need" in the comment to reply. You seem to have it backwards.

And thank's for the advice, but I know how to live with little to survive and I know what I need to thrive and that ain't the same thing.

Yes, correct. I was talking about needing, and you are just affirming my point. Thanks for catching up.

Go and visit some places in the world were people struggle for the basic necessities of life and God himself will tell you.

Been there. And I don't feel the need to be in that situation, but life is more about survival.