alt Hacker NewsThere are plenty of banks in Germany which offer over-the-counter services, if you prefer to do banking as if it's 1999. Most of the time, when people say it's impossible to live without a smartphone, it's actually only impossible to enjoy the conveniences of the internet without a smartphone (at least in Germany). Besides these rentable scooters, I can't think of anything that actually requires a smartphone. Sure, you'll miss out on a lot of conveniences, but I remember a time where that was the norm, so it's not like it's unreasonable.
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The comparison to 1999 is not entirely accurate. It doesn't take into account that most physical banking locations closed down. At least here in Belgium for example, you have to go far to find one, and it's often on appointment only.
To add to the sibling comment, you are also ignoring the fact that in 1999 nobody had those conveniences, everybody was on equal ground. In 2026, if you handicap yourself by rejecting those "conveniences", you will be met by friction at every step - lower productivity at work, impatient looks from your family members etc.