@jschwart @agturcz @CiaraNi @Gina I've also never faced a smartphone requirement myself, but admittedly I do go out of my way to avoid getting into situations where that might happen, and I'm also perfectly willing to not do things if they would require those devices, just like I simply walk by any store that says "PIN only".
So I guess I'm not the best example case here. Banks are indeed the most problematic, although I do have accounts at four Dutch banks that don't require Android or iOS.