[JohnFen]

> Banking or CC app for mandatory 2FA?

The easiest way to avoid this is by going physically to your bank branch.

> gvmt Covid mandatory app to travel anywhere?

Don't live in a country that does this, so I don't know.

> QR code for restaurants?

I ask for a menu.

> Places that require an app in general?

Haven't seen that happen yet. There are some parking lots that require an app to park in them, but I just park elsewhere. The laundry room in my apartment complex requires an app to pay, so I just go to the laundromat down the street instead.

I do have a smartphone, although I'll switch to the dumbest phone I can find when this one dies. I do not use any apps for doing any commerce or the like, though. It's far too risky for my taste.