Earlier quoted context omitted.
You can exist, but life will be as inconvenient as it was in the 1990s (though importantly, it didn't seem inconvenient at the time, it was just the way things were).
I disagree. You cannot even book appointments in a lot of banks today, a thing you could do in the 90s. Like that, a lot of services are unavailable without a smartphone and its non-smartphone equivalent is not available anymore.
Just joined an informal queue (no digital queueing system! The humans used their eyes and brain to remember who next )
Handed over my physical debit card so they could locate my account.
What digital hellscape do you live in? UK here