@aurisc4 Kids can live that way because they have parents with bank accounts.
So should you be able to live without using a bank? Yes. Is it practical to? Not really. Should it be legal to require either an Apple or Google phone to have a bank account? No.
@aral strange to say it, but it's sad that Windows Phone died. Even though Microsoft is no better in this context, but competition between 3 is better than 2. Were there 5-6 options for smartphone, landscape likely would be much much different.