I also had to upgrade a phone for a banking app and a gov pay-your-taxes app (in a certain non-US jurisdiction). Very hard to understand why that should be. Ev

I also had to upgrade a phone for a banking app and a gov pay-your-taxes app (in a certain non-US jurisdiction). Very hard to understand why that should be. Even the most scary conspiracy theorists would not claim that banks and govs try to force phone tech refresh... unless ... it is really about spyware bloat :)