A bit of things are harder to do now, without smartphone or especially without computers. I have no idea how this is going in the US, but here (France) there's been a big push for "all online" stuff, including mandatory administrative tasks. Less digital alternative are still mostly available, but the trend of being able to handle thing without computers is clearly dying. And yes, this means an increasing number of people is lost and can't do stuff we expect them to do; it seems not enough people care.

And, even outside of that, having a bank account these days can require having a smartphone, more specifically an iOS or Android; the "bank app" being used as an authenticator and required for anything from logging-in on their website to performing money transfers.

We still can operate offline, mostly, but there's a huge push toward changing that. And I'm not sure there's a way to make that without leaving a lot of people behind.