Sounds like we don't live in the same EU.
Banks are required to use Strong Customer Authentication, and they consider apps to be safer alternative than SMS.
Revolut, N26 and co, are real banks, like any bank in the EU.
In many countries, you cannot pay with small coins the bus driver.
Shops can refuse cash.
https://fullfact.org/online/UK-not-only-europe-country-legal...
etc
In Northern Europe it's very common not to have cash at all or to have it rejected.
In Estonia, you can choose to login to services using... your mobile phone OR (if you are lucky and this is supported) a physical ID card reader, so realistically you want to have a mobile phone. Some services don't even have alternative.
It's more like a German / Swiss thing to have cash everywhere.
If you want to use the Tesla supercharger network (one of, if not, the largest in Europe, so rather useful), you need the app. https://www.reddit.com/r/Polestar/comments/1hrzidy/do_i_need...
In Northern Europe it's very common not to have cash at all or to have it rejected. In Estonia, you can choose to login to services using... your mobile phone OR (if you are lucky and this is supported) a physical ID card reader, so realistically you want to have a mobile phone. Some services don't even have alternative. It's more like a German / Swiss thing to have cash everywhere.