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The endgame is that I will keep a phone in a drawer next to a 20 yo hardware token I still use to access a bank. When on the move, we will see.
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Then I'd switch bank. A lot of banks work with SFOS [1]. Given the way the US is acting, we are trying to lower our dependence on American services, and I very much doubt all banks will walk the US bandwagon. There's a serious market for something else.

[1] https://forum.sailfishos.org/t/banking-apps-on-sailfish-os/1...

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If that ever happens (what am I saying we all know it’s happening). Then just a phone in the drawer I use it just for such administrative tasks.
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Right, until you have to use a mobile app to pay for parking or validate your bus/train ticket and so on. Yeah, "I can use my physical card", for now. Long-term we need a better solution than keeping an extra up-to-date phone.
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