

I am more curious about this section:
bureaucracy or banking apps force me to use it
Does it actually happen? How so? I never had any bank or anything else force me to use a phone, so I am having hard time imagining that. So I am genuinely curious about this portion of your message.
I see. Thank you.
I am using a YubiKey for those (with a desktop authenticator app). Oddly enough, I do that because I do not trust Android/iPhone to stay secure. I actually trust them even less than a plain old SMS-based auth.