Earlier quoted context omitted.
> Feel free to complain, but don't forget you can make choices. Of course. I can make a choice. When the choice is between being able to login to secure services with my SIM embedded e-signature, use mobile banking and conduct official business and not being able to do any of these things, making choices are easy. Running Linux on desktop is easy mode when compared to phones, and yes, I started using Linux on desktop…
Exactly - if I don't have the Monzo banking app on my phone, I can't do _any_ banking. Thinking about that now... That's not great.
I do have one credit card that requires an app if you want to do thing online - otherwise its paper statements only. I use it a lot less as a result.