alt Hacker NewsThis might be country specific? Specifically dependent on laws in the fields of consumer-protection and keeping things universally accessible.
I don't own a smartphone. I have never owned a smartphone. There are inconveniences, and big organizations definitely try to push you toward the way of doing things which has the lowest costs for them - but there are no actual blockers. There is always a path involving actual humans, and regular phone calls (or emails or paper forms).
Reactions tend to be wistful variations of "I wish I could" or "but how do you?" - and it's really always about the most trivial inconveniences.
To be honest, I never tried, but I see for example the removal of more and more procedures in person. In Spain where I'm from or Switzerland where I live it can be still manageable, but in the Nordic countries for example everything is digital and even cash is barely existent. A lot of payments are made by phone apps only.