[ryandrake]

I see all of these "in my country, we need a phone to do X" posts, and while I believe them, I feel like they always leave out key information. I'd also like to know: What actually happens when the customer does not have a phone? Do you just never get healthcare? Do you just never bank? Surely there are (perhaps inconvenient) alternatives that people without phones can use. The national government doesn't just let its citizens slide into some healthcare-less, unbanked purgatory simply for not having a phone. What is the real, full picture?

As someone in the USA, I could toss my phone in the dumpster forever and still live my life pretty much as I live it today. I might have to make a few minor sacrifices, but I'm grateful we still have that choice here.

[gvurrdon]

Recently, I was referred by my family physician to a healthcare provider. That provider required a mobile phone number for registration. I emailed them to complain about this and their reply was that if I did not have a mobile I should contact the referring medical practice to find an alternative means of treatment. I did, and their response was that I should take it up with the provider. But this is, of course, just one anecdote. I would also be interested in seeing more information.

[jolmg]

> The national government doesn't just let its citizens slide into some healthcare-less, unbanked purgatory simply for not having a phone.

Unfortunately, I think that depends on whether the portion of citizens without a phone is significant. People need to care for businesses/government to care.

See also countries where they struggle to use cash. What happens when a customer does not have a bank account?

[lbschenkel]

So what actually happens in Sweden: there are two officially sanctioned authentication apps: BankID (originally developed by banks) and Freja. Both only run on a mobile phone.

For government services, both will work. But you must use some of them, otherwise no government for you. You can still do some things by paper, but those are getting rarer and rarer nowadays. The general assumption is that everything is done online. Some government services can't be done by paper or physical visit, not without involving this authentication at some point.

For most of everything else, only BankID (the oldest of the two and the most deployed by far). Especially for banking, only this works. Even if you call the bank and try to sort out via phone, they will refuse service until you can prove that you are you by authenticating via BankID.

But Sweden is mostly cashless nowadays (even some bank branches are refusing to deal with cash). For example, you can't take a bus or train and pay with cash. You have to use a vending machine that only exists on train stations, or depending on which kind of transport and the region you live you might be able to do a contactless payment, or you must use the app (the default choice that 99% use). If you use the app, to pay you need to use a "card not present" flow, or Swish (Sweden's mobile payment system), and to complete either you must use BankID. You can't use your card or do any payment without BankID (if the card is not present).

Even if you do use your card, if it gets denied for any reason, for you to sort out the issue you'll need the mobile phone and BankID.

If you go out with friends to a restaurant, most restaurants don't accept cash. If the restaurant doesn't accept charging each one individually then someone needs to pay for the group, and they will expect you to pay them via Swish which requires BankID. People won't take cash either.

As you can see, it's not actually trivial here to live as part of society without a working mobile phone. If you're outside, you better have 100% faith on your card, and/or be prepared that you might need to walk back home as you can't do much now, might not even be able to buy transportation.

Some smaller shops/kiosks only take Swish: no cash, no card. That requires a phone plus BankID.

If (or better said: when) BankID starts requiring the device to pass Play Integrity, then not only you must be carrying the device at all times, but it must be a blessed device from Google or Apple.

In Denmark the situation is very similar, and in their case their app (which is called MitID) already mandates that the device has to pass Play Integrity.

[ryandrake]

Wow, thanks for the actual response. Absolutely wild. I'm pretty speechless to be honest. How does a hellscape like this become normalized?

[lbschenkel]

People in general absolutely love this, and are proud that their country is so "modern".

I meant: it is convenient. No doubt. I do use all this because it is convenient. When it works, it is great. The dumb part is to not have a backup plan.

All these things were done for a single reason: cost cutting. They cost less, and the "old-fashioned" flow that could work as a backup no longer makes financial sense so it is retired.

But then again, here we are. Here and now, without a phone, without agreeing with a relationship with a foreign entity and their one-sided T&C, you won't even be able to get service from your own government. And you need to maintain your good standing with that foreign company in perpetuity, because if they ban you as a person then good luck — your are going to be cut off from your own government, your own bank.