My big trouble is that my bank account is reacahable remotely either by mobile app or receiving a security code to my mobile. Essentially my fragile to physical

My big trouble is that my bank account is reacahable remotely either by mobile app or receiving a security code to my mobile. Essentially my fragile to physical impacts, constantly outdating (about every 6 weeks I have to update the app, just to have changes in the UI making me lost or adding features never missed), non-waterproof, expensive enogh (still on the cheaper side compared to average) to be attractive to thives, can go out of signal range (the cell companies provide the bare minimum of towers making inside reception unreliable), may have account troubles (carrier locks out by mistake, it happens to others), depletes without proper charging cable or possibilities, have no access to foreign carriers abroad, ...who knows if I miss some other limiting or risk factors, so this single point of multiple potential failures is the sole key to my bank account (remotely). I am genuinly paranoid about my mobile. I am living for it, not it for me this way. I want to live like you, without degrading quality infalting priced smartphones, but it was quite difficult and in many cases impossible. I am not happy about technology, not at all, it is holding me hostage! Instead of helping me.