As someone who finally moved to a bank that actually has web access/ phone app in 2020, its perfectly possible to live without using your phone for anything on that list. Hell I didn't start using my phone for medical/banking/travel stuff until 2020 and onward.

It's inconvenient, but possible. I'm in my 30's and I just largely avoided needing any of that because I live in a rural area and don't travel much. Of course I don't miss my old local bank at all.