I appreciate the response, and I would argue that in at least some cases “well, if you cant do that, it’s just dumb anyway.” is totally valid.

With regard to the job, and the banking, I agree. I need to have OTP on my phone and I haven't tried to bank in person for a while. We have two young kids, and once things calm down I'm going to see if we can swap to a local credit union. The decision will be predicated on whether I can do everything in person.

With regard to the phone, I think the softer version of my argument would be that you can install the bare minimum number of apps, and otherwise just set the phone on a table and not carry it around with you. If you're worried about government tracking, power your phone off when you drive to work. Your work itself (and all your logins) will reveal your location, so it's not really as if powering your phone back on once you get to work is much of a detriment. The same is true for banking. Even if you must use the smartphone, just leave the phone off / or in airplane mode and then just do the banking at your desk at home.

In fairness to you, I'm pretty sure I failed a job interview once because I asked if I needed a smartphone for the job. I think my point would be that with the way things are going, it's becoming more and more important to figure out how to avoid as much of the smartphone as possible.