The US has just proposed making the ESTA application process mobile-only.

As an example of one.

Banks requiring device attestation may be a pain in the ass, but it’s not a “requirement”; they (for now) still have websites and, usually, a physical branch.

Other examples probably exist.

Banks 2FA are not SMS anymore, so no banking, and because no 2FA no online card payments and no limit adjustment.

Some banks are even app-only.

IRL events where you have to open the app at the gate.

Probably no charging for your EV.

No bus tickets. No Uber. No scooters. No food delivery. More tedious flying / immigration. No Tinder (requires live face verification on your phone) Some modern cars you are going to have troubles.

Impossible to setup a lot of smart appliances (like home WiFi routers). Many examples.

It’s like: can you live without a bank card ? Probably but not everywhere and you will not be able to go to all shops.

Essentially it’s great if you plan to stay at home. Becomes a great problem once you want to interact with anyone further than 1 meter from you.