How do you get around this? Literally every bank, brokerage, etc... is hell bent on you using your phone for everything from 2FA to passkeys, etc... They dont even imagine people have computers anymore or want two+ physical devices/controls on what can be done with which factors
Certainly you can use those, but they're not mandatory (here in Canada at least). Can easily get a card and use physical bank and ATM to do everything, and website logins use email as 2fa.
It requires collective action. Ideally with laws to force interoperability, so folks can move among platforms with ease. Then standards will arise to keep that feasible for app makers.
Without regulation markets coalesce as the winners eat each other like a game of snake. It's a miracle Apple hasn't yet eliminated Android. Although I suppose for some institutions there is only iPhone.