Let me give you a preview of a world coming to you, and present day reality in Ireland:

1. Your employer pays your salary by bank transfer, which requires you to have a conventional bank account.

2. You then want to spend that money, how do you do that?

Debit card? You need the phone app to retrieve the PIN when the bank first sends you the card.

Cash withdrawals in the branch? For amounts less than €10,000, the staff will direct you to the ATMs in the branch. These require an activated debit card to withdraw money, and activating that card requires the phone app.

Manual money transfers in the branch? Once again, for amounts less than €10,000, the staff won't do it - they'll instead direct you to the PCs in the branch. These are just loading the same website you can access on yours, which will ask you to the confirm with a 2FA push notification to log in.

Try another bank? The legacy banks all got the same auditor who advised them that app based 2FA is the easiest way to implement PSD2, and reduce the likelihood they get held liable when customers get scammed, so they all implemented that as the only option. The neobanks of course, are accessed solely by apps.