People in non-US countries apparently have a litany of government and banking apps which are mandatory at all times.

They're rarely completely mandatory (Grandma still needs to be able to access her bank too), but the alternative is usually a whole lot more inconvenient (sometimes for bad reasons, sometimes just because that's how life is).

> (Grandma still needs to be able to access her bank too)

In some countries they are mandated if not by law then by implementation, a relative or a social worker is tasked to get grandma equipped with a "smart device". She can even borrow it for a few months from municipality services until she can afford to buy it