FWIW my mom loves her smart phone. She would probably use this stuff. She does still have a land line too for actual phone use but uses the smart phone for other things.

However I won't use a smart phone for money or install an app for random things like a gym membership or a restaurant's menu. Never mind banking or medical stuff. It's really hard to verify what an app actually does under the hood and too many reports of even banking apps not getting SSL right and such. I know too much about how bad software development is security wise to trust any of this implicitly.

Thanks but no thanks.