> - Not having any banking apps on my phone. Every time my son needs a few bucks in his account, my wife has to do it if we're out.

This is the most tyrannical things about smart phones -- banking apps. I get it, the bank wants to ensure the platform is not a liability. But it forces most of us to use one of the only two "trusted" mobile providers on earth: Google or Apple, both of which are American (and I'm an American.) The only alternative is a browser which comes with its own set of problems.