No banking, no Google Pay and things like 2FA apps like Authenticator if I recall right. A nightmare just for 2FA if you don’t have a charged 2nd phone. if you suddenly left your wallet somewhere and have to pay a purchase at the supermarket with a full cart.

I just wanted to be able to record both sides of calls which is legal in my country, without having to use the official Phone app and warm participants with a forced beep and voice warning that the call are being recorded.