Creeping intrusion of mandatory smart phone possession for access to basic services.
2 years ago my apartment complex installed laundry machines that can only be operated from an app. Requiring of course, some kind of link to a payment provider.
2 weeks ago I wanted to transfer some money from one of my banks to another. The sending bank required a cell phone contact number to send confirmation code to, brand new wrinkle. Called 'em up and explained I don't do that, what can you do for me?
"Sorry, we can't help you"
"Really? When my home phone hasn't changed and voice messaging was ok last month, and I've done transfers between these same 2 accounts several times before?
Kiss my money goodbye".
After a 24-hour cool-off I realized I do want to retain that account as my emergency fund so I'll go ahead and let 'em continue to provide no service charge service based on my credit card account with 'm (zero balance). Take it out of 'em a nickel at a time.
Last month I paid my AT&T bill in 5 different increments to beef up the service charge they pay to Visa by 5x..