You do have that right. You just can't use banking apps in Vietnam on such devices.

This is really no different to the antivaxxer arguments in the peak pandemic era. Some people didn't want vaccines. Fine. Well, not fine. None of it is based on any kind of rational argument but nobody was strapped down and forced to have one. But not having one meant there were certain jobs you couldn't have. Just like for decades unvaccinated children couldn't go to public school.

You make a choice and if you don't like the consequences of that choice, that's a you problem.