It does not only affect older people; everyone now has to use digital services (which often have appaling or onerous UIs or security requirements). For example

It does not only affect older people; everyone now has to use digital services (which often have appaling or onerous UIs or security requirements). For example, I recently opened a new bank account, and essentially to be able to do anything with the account, I had to 'activate' it. From the bank's mobile phone app. Even though I was sitting right there in the bank, with my passport and other documents, I had to 'verify' myself by installing their app and using it to respond to a 2FA SMS text - no other way. Another problem is with uber type services. I used to be able to hail a ride taxi-style (hand in the air) pretty much from anywhere at almost any time. Now, using an app is almost the only way, as anything moving is carrying a ride-hailing app passenger, or on it's way to one. A smart-phone has become essential to modern life, not just a convenient luxury or toy, and usability generally sucks for everyone, and especially for older of physically challenged people.