I don't use a smartphone enough to worry about it. If I am using my phone, most of the time it's either Anki, Google Maps, or, like you mention, banking/government stuff.

Texting via SMS (or whatever it is these days) isn't really a thing in Japan, either, which makes things more difficult especially as I despise talking on the phone. If, for example, I'm at the supermarket and wife remembers something she needs, getting that message is good