not_a_sw_dork
Both are requiring me to open files stored on Sharepoint via the desktop app frequently.
Also, i cannot imagine how using CB-issued digital currencies would work especially while being abroad. As already said, the respective government has you by the balls.
Critize someone / something? Voila, account and funds access revoked.
Additional, i get the convenience factor of digital payment methods -paying mostly by credit card myself- but consider this: if your phone breaks, you are oh so bummed.
No maps, no calls, no SMS tokens, no authentication apps (if not having an laptop as a backup,), no ID vault apps (same), no Google / Apple pay, and more...
Had to endure this for 3 months last year.
Physical cards work almost always 100%, can be freely used by people you trust, dont need expensive roaming data, you dont have to rely on a device being a) with you and b) being charged.
Also, good luck swapping the SIM to an older, backup phone if all you got is an eSIM...