My (Android) phone is de-Googled, so no apps except from F-Droid, and I only use the one-time pad for the national SSO solution. Following a recent change, not

My (Android) phone is de-Googled, so no apps except from F-Droid, and I only use the one-time pad for the national SSO solution. Following a recent change, not having the SSO apps means I have to have use an extra password + SMS 2FA on many sites when I want to pay by credit card (the alternative being the SSO app). I don't drive, so I don't know for a fact about the parking situation, but people tell me some places are app-only. On a few occasions I've had to get my wife to pay for something using the app I mentioned, but it is becoming increasingly "weird" not to have it, and I see many classifieds specify that they only accept payment that way. I was almost cash-only for day-to-day stuff until Covid, but that's been the nail in the coffin. Technically businesses can't refuse cash, but many places will have signs asking you to pay by card, and I'm not going to be an arse about it to some 17-year-old behind the counter like an anti-masker. Thankfully almost everyone accepts credit/debit cards, but the alternatives are cheaper for businesses so maybe in a few years that will also become problematic, and the app-based solutions will have fully overtaken government cash. I feel like there should be an addition to basic human rights: Participation in the economy. It should not be a requirement for day-to-day life that one carries some tracking device and accepts thousands of pages of ToS from a private company. I can accept giving up many conveniences, but I feel like I should be able to have a place to live and buy food without a Google account.