just living your life without a phone is getting harder

This is a bigger problem than most realize. Consider the barrier-to-entry for phones, internet access, and charging. Then add cashless payment on top of that. Combined, it creates a new red-line between economic classes, and a rather ugly one at that. At some point, this mode of commerce is going to get selected not for the convenience it provides, but for whom it excludes.

I’ll also add that getting access to a smartphone with total anonymity is impressively hard to do.