> you are locked out of the economy?

Not that it excuses the withdrawal of user agency. But I've never used a banking app on my phone before. Anything important I still like to do on a desktop.

Though how much longer that's safe, who knows. Apple's model of requiring their permission to run code on your own device will probably spread to everything given enough time.

Much of the world uses mobile payment apps instead of credit or debit cards. Some banks allow a setting that using a card can require a ping to the banking app for verification of the transaction. I don’t know if it’s legal to turn down cash payments in Vietnam, but some vendors may only accept digital payments.

I guess you could take your laptop out at the restaurant and in the taxi to pay. It seems a little strange. You might better just use a browser on the smartphone instead of the mobile app.

> But I've never used a banking app on my phone before. Anything important I still like to do on a desktop.

A lot of banks require using their banking app to get a 2FA token to log-in on a desktop web browser.

> But I've never used a banking app on my phone before.

Here in Europe, good luck using any form of online payment without one due to 2FA requirements.