> 1. My bank doesn't allow to go in person without an in-app taken appointment.

What about other banks?

> 3. Half of restaurants in my area do not have non-QR code menus, they just don't.

That's crazy. I don't think I even saw 50% during COVID. Must be barely 5% of places that are QR only in the UK.

> 4. McDonald's will make me pay the scam pricing you get without the app.

Isn't it a scam even with the app pricing? The quality is so so bad these days I feel scammed even paying £1.50 for a burger.

> 5. My doctor gives documentation only and exclusively in digital form, on a special application that doesn't even have a desktop equivalent.

> 6. My fiance's office badges are smartphone-based. You cannot enter otherwise.

Are those compatible with disability laws?

> 8. Increasingly more European airlines exclusively accept in-app check in and documentation. You cannot print it. Ryanair's one of them.

That is not true for Ryanair.

https://help.ryanair.com/hc/en-gb/articles/12889016882065-Ca... :

"You can check in on the Ryanair.com website or on the mobile App"

"If you checked in but cannot present your boarding pass on the app when you arrive at the airport, you will receive a free of charge boarding pass."

(This it is more difficult as their appears to be even fewer staff around than before)

Also:

"You can check in for your flight at the airport, but you will have to pay an airport check-in fee per passenger to cover the extra cost of the airport check-in service. Please see our Table of Fees."

(Admittedly very very expensive)