“Everybody worth transacting with” is more accurate. Makes sense for business, but a shame when government (or an essential business that should be a government utility) does it.
Well as software engineers there’s not as much we can do for people who don’t have computing devices, but it’s still important that information be accessible without them.
Well, people can have laptops, or "unsupported" phones (i.e. non-iPhone/Android).
Locking all sorts of basic stuff to two for-profit closed platforms sounds rather non-ideal to me. It's also quite a shift from stuff being web-based, where in principle you or I could sit down and write a compatible browser and/or port an existing browser (some work, but very doable).
It's not all that different from locking everything to Windows and/or Internet Explorer like it was 20 years ago, except worse because it's so much more pervasive now. The old "mandatory Microsoft tax" got replaced with a "mandatory Google/Apple tax". Any startup has basically zero chance of entering the market.
Probably a well supported postal service as public infrastructure!
Yes, you can make an app or sell a widget without supporting transactions via mail, but many companies providing critical services are starting to require cellphones to participate.
My country has a large religious demographic with dumbphones. I'm glad to have them, as I have a smartphone but I'm not about to install an app for banking, an app for charging the car, an app for the supermarket, etc etc.