That sounds terrible! What country are you in? (And what happens to seniors, or people who can't afford a phone, for instance? )

I'm in India. Usually seniors etc... Just ask family members to do their transactions. My mom basically does all the transactions for my grand parents..

For the people too poor to own a phone, they just use cash in most places they can... To put things into perspective even road side beggars/homeless people just show you a QR code on a piece of paper for where to pay them these days..