>I know people in their 50s who pretend that "they don't need this technology" or "I can just go to the bank if I need something". Sure, if you're in your 80s you might want to dodge most of the digital stuff. But in your 50s? You're gonna have to live with an increasing digitalization for multiple decades.

I'm in early 20s and I almost never used smartphone nor I'm not about to get one

I'm SE.