Or one is living in a country where all banks require a phone as the second factor for authentication. Or living in a country where access to government services, public transportation and/or the healthcare system is now via smartphone. And just try living in China without WeChat at all.
Before making blanket statements like that, please always remember HN is an international community, and countries are different.
Before making blanket statements like that, please always remember HN is an international community, and countries are different.