On the app-front I've actually noticed an opposite direction in that I'm using fewer and fewer of these by moving more and more to web-versions of the services

On the app-front I've actually noticed an opposite direction in that I'm using fewer and fewer of these by moving more and more to web-versions of the services offered by apps. What apps I'm still using are mostly free software, often connected to services under my own control. I don't use apps because I don't see the need for all those app providers to get access to more of my data than necessary for the services they render and because I don't like the Balkanisation caused by the app world. While Android and iOS may divide more or less the entire mobile world between them I want to keep the door open to new contenders, preferably of the free software variety. An app-only world is an effective blockade for new contenders and as such only serves the incumbents. I live in Sweden where as you probably know electronic payments are big, with Swish being the overweight gorilla in this field. I don't use Swish or any other electronic payment platform yet I still manage to get around, cash still works where it matters. My reasoning for using cash is the same as before, I like my privacy and don't see the need for the bank and the state and several advertisers to know I bought object A at location B from vendor C for price D at date and time E. Cash makes this possible, electronic payments do the opposite.