[boweruk]

I don't think I buy that argument very much, though. You can do all of those things in the same way you would have done them before the advent of smartphones - snail mail (or use a library/personal computer to check emails), visit a bank in branch, send text messages to friends on a flip phone. Heck, even most vaccination systems I've seen worldwide have the option of a printed QR code proof.

I won't disagree that these things are massively inconvenient compared to doing it all though a smartphone, but it's far from impossible.