Ok but what if I wanted to shop without a smartphone, or don't own one? Don't get me wrong this is great for the current situation but like all things it doesn't only have good things about it.
Then you're excluded, simple as that. We're rapidly approching the point where you're: a) Expected to have, engage with and be active on a smartphone b) Be accessible via the mobile network (have an active phone number that can get SMS) c) Be "always online", frequently checking the bank in 'real time' to verify transactions, account balance etc d) Have battery life on your device. It's no good if you have just 5% an…
The claim "sorry you don't have a smart phone you can't buy food / clothes" has implications for people (children, the elderly, the disabled, the poor). Just replace "smartphone" with "stairs" (if you can't climb stairs sorry no food / clothes for you). Hey if its a problem, just order online, or get a friend to do it, why should we have to cater to people who aren't normal?
Combine that with a culture where your phone can be disabled for many reasons (failure to pay, socially unacceptable views, employer owned) and you're creating a rather distopian picture.
I'm all for a more streamlined version for people who are able, and that may well be the vast majority, but it makes sense to make provisions for those who aren't and not to say "sorry history has moved forward, if you don't have a car you can't have a job or go shopping." (as another example)