Sorry but nobody is going to use a phone where they can't chat with their friends via whatever chat app they're already using or transfer money via whatever mon

Sorry but nobody is going to use a phone where they can't chat with their friends via whatever chat app they're already using or transfer money via whatever money transfer apps their social group is already using or transfer money between their existing bank accounts with their bank's apps or check in with their flights or use their city's public transport infrastructure apps or parking payment apps or car charging apps or taxi hauling apps or food delivery apps. I think the average non-technical user uses a whole lot more apps than what you give them "credit" for. The technology industry has pushed for more and more everyday services to be app-based. And most of these apps work only on iOS and Android.