[dcz_self]

> Banking or CC app for mandatory 2FA?

Switched banks.

> gvmt Covid mandatory app to travel anywhere?

There wasn't one, thank $DEITY (Germany).

> QR code for restaurants?

Never encountered one without a menu yet, but I'd just go to another one.

> Places that require an app in general?

Never encountered those, either. There was one on my offline backpacking trip which required digital payment. It was sad, but I had to forfeit.

[cobbaut]

Thanks, and indeed.

Some places do require an app and while there are alternatives, there may not be another choice in the future. But not today, most of my elderly neighbours also don't own a smartphone and yet they survive in this city (Antwerp).

Life without a smartphone is possible, and imho calmer and more relaxed.