Comment by rex_gallorum2

Banks tend to have some back up, such as a TAN generator. I have used those for Euro bank accounts that require 2FA. US bank accounts are usually fine with a phone number, which can be a dumb phone. There were no real covid restrictions where I live, and no app, so that was not a problem (but that is definitely something people should push back against, as it's horrifying). I would never, ever eat in a restaurant that required you to use a QR code. They can simply go to hell. It's mostly trendy places that do that, anyway, and I prefer hole-in- the-wall restaurants anyway. I understand this stuff is a lot more advanced in some countries, but even in the US it's pretty easy to get by without any of it.