The comment that I was replying to was suggesting (to me) to live in sweden without mobile bankid (centralized 'banking' 2FA app on smartphone). I have here listed services that require said mobile bankid. Mobile bankid works for me and others on graphene os, but would likely not work on an arbitrary linux smartphone.
Thanks for the explanation, it is more clear now. Some people manage to live without bankid it seems, but it's painful, https://news.ycombinator.com/item?id=48339503