My bank sends me an alert when my card is used to make a transaction - handy for spotting fraud.

I get an alert when a payment comes it - handy for knowing if a client has paid.

I can quickly check my balance - handy for knowing if I can afford another round of drinks.

I can repay a friend in two taps - handy if they've paid for dinner.

Is anything essential? No. Is it something people use multiple times per day? Yes!

"I'm am just an outlier here?"

No. The "banking app doesn't work" argument against non-corporate mobile OS, raised incessantly is HN comments, is bogus

I want a "phone", i.e., small form factor computer, that can run something like NetBSD, or Linux. But I have no intention of using it for commercial transactions. Mobile banking is not why I want to run a non-corporate OS

I want to use it for recreation, research and experimentation

2FA is a requirement in Europe. I can't log into my bank account without my phone being able to run the app.

Banks often use their app for a second factor auth. here.

I can't deposit checks over the website, and I use a bank with no physical locations near me.

I haven't had issues with the mobile apps of 3 of the most major US brokerages. They run fine on rooted phone. They do everything I'd want a bank to do anyway.

Ditch your bank if they have issues. If their retention department asks why you're leaving, tell them their app doesn't work.

It's also high risk. I've bricked two phones doing it.

That describes relatively easy for you, but not for the average person who can’t even be bothered to change the default ringtone.

If it's got a sim card, it's still phoning home and providing location data. You can't escape the panopticon. A faraday bag gets you mostly there, though, but the point isn't that you can maneuver against it, it's that the device and its operation is fundamentally compromised by design.

There's a whole lot of shady crap underlying the infrastructure and the hardware that consumers cannot touch, pinephone / librephone or otherwise. It's not designed for consent. At best you can gain ephemeral relief, but even that is illusory, because by simple process of elimination, differential analysis allows fine grained ID and tracking of people even if they don't have accounts, phones, interact with websites, etc.

It's not a shady cabal of lizard people, it's just the grubby natural alignment of interests by a wide ranging set of companies and regulators and groups who allow it to happen without imposing any accountability, and ensuring that the system remains structured such that no effective accountability can be imposed.

Extorting constant streams of data for adtech is too valuable and the entire thing is too complex for silly things like ethics to interfere.

I don't care about specs, I care about functionality and price. The camera on the pinephone doesn't practically work because it is too slow and the quality sucks. You basicially cannot record videos whatsoever. I can't use the device for GPS navigation. I can run whatsapp within waydroid, but it isn't practical due to the battery life and startup limitations that imposes. The GPU on the pinephone sucks, is underpowered, doesn't support OpenGL ES 3 or vulkan, and the user interface is always slow as hell to navigate.

So practically I cannot use it as a daily driver.

Librem 5 does have enough GPU horsepower, a functioning camera, and good pmOS support. But $800 is a lot to ask to test out switching to linux with no guarantee that my workflow will work or I will have enough battery life. It looks like the librem 5 can't record videos or do GPS navigation yet.

I am looking at the librem 5 specs again. The EG25-G is probably a better starting point for the modem now that it has been better documented and reverse engineered as a result of the pinephone project. It is interesting that the L5 has a generic smartcard reader though.