This is not going to be an easy fix but it is possible since phones are just a recent thing we've gotten addicted to.
First, don't blame your bank for the scroller apps. Those are two things that don't relate. You shouldn't need to lock down your phone to stop it.
Start with why. "why do you want to quit or curb your phone use?" I believe you know this answer to this but write it down on a piece of paper. When you do this, your mind will play it back for you from time to time.
You have an iPhone, download a meditation app. Don't sit down like a yogi and meditate, open the meditation app where you scroll on twitter/ig/amazon, whether that's your couch or your bed. Meditate for 3 minutes, that's it, not more for your first time.
The meditation will be really hard the first few times. It will feel silly too. Get an app where they guide you for meditations, e.g. Calm / Headspace (they are free to use for basic meditation).
Your phone is a powerful tool, and just like any tool, it can be use for helping yourself or harming yourself.
I am happy to guide you through more of this, please feel free to reach out to me me at contact@usman.xyz. I've been through this before, I know what it feels like and I can guarantee you that you'll get out of this!