I'm not sure how I'd manage tbh (in Finland).

I was called a luddite for not wanting to follow the "official" schoool Whatsapp group. Online banking is practicably unusable without the bank's own 2FA app.

Many things can still be done in a web browser, but the rest of society is going the smartphone route and it's increasingly difficult to avoid it.

Any non-digital options are aimed at elderly and handicapped individuals; not people who don't want smartphones.