There can be laws like the right to have a bank account, that might say your bank can't require you to have anything they don't provide you with for free. In some places.

We need to act now, while there are still service providers that don't require a phone. If my bank said they wouldn't do business with me unless I used a phone and an app, I would immediately take my business and all my accounts to a different bank. Banks have no moat. You can pretty easily move accounts to a different one or to a credit union who won't abuse you.

It builds a case. You're not going to win with one clever move. We need to show that these policies systematically deprive honest customers.