They won't find a solution to your problem, when one is obvious: buy a phone.

They'll find a solution to their problem, which is you: apologize for losing you as a customer, and express a hope that you'll consider them again after you've bought a phone.

There can be laws like the right to have a bank account, that might say your bank can't require you to have anything they don't provide you with for free. In some places.

What is that supposed to accomplish? The service providers that require a phone will require one whether you have one or not.

We need to act now, while there are still service providers that don't require a phone. If my bank said they wouldn't do business with me unless I used a phone and an app, I would immediately take my business and all my accounts to a different bank. Banks have no moat. You can pretty easily move accounts to a different one or to a credit union who won't abuse you.

You and the four other people who might do this are just delaying the inevitable.

Only if people roll over and take it. The squeaky wheel gets the grease.

99.9999% of people are “rolling over and taking it” because they don’t have an aversion to installing their bank’s app on their phone.

Most people would find this viewpoint to be strange.

IMO Most people simply lack the context and knowledge to understand the viewpoint.

Or they’re arguing with like four FUD contrarians on a website.

No no no shut up, don’t speak up. No one thinks like you.

It builds a case. You're not going to win with one clever move. We need to show that these policies systematically deprive honest customers.

Unless you are a multimillionaire, they will tell you to go do business elsewhere, you're not worth their trouble.