[drywater2]

Hi. I have the same problem as you. I tried a lot of software on my phone that doesn't let me use Twitter or Reddit, unless I enter some dumb code or something. Most of this software just tracks your time on each app and doesn't forbid you from using it. For example, "Digital Wellbeing" app is a joke. You can disable it anytime it starts running. Some apps, such as Youtube, have the option to remind you that you have been using it for a certain amount of time, like 15 minutes. I wouldn't rely on software to help me on this one.

I ended up buying a kSafe and putting my phone in there for an amount of 12 hours a day. I get my messages and calls on my watch.

If you're using your iPhone you'll end up downloading scroller apps.

I don't have a solution for your mobile bank account.