> online access is as necessary as water We have paper money and also can work and buy stuff offline.

I would say online access is as necessary as a car. Possible without but less flexible.

It's becoming less and less possible to live without every year. More and more government services over here can only be accessed online. And the private industry has been happily gutting offline or in-person services for a long time. If you still want access to everything, you better be ready to pay huge premiums just to be able to do things the old-fashioned way of having humans perform tasks for you. So if you're poor, you basically have no choice but to be online.