Need? Unless and/or until the ability to log in and do your banking, healthcare, etc. via desktop/laptop goes away, then you don't need a phone to do any of that. Yes, 2FA may be required but in the tangential experience of myself, my partner and my two closest friends, we have multiple 2FA options available to us for our banking/healthcare apps that don't require a smartphone.
I see this point all the time - "You can't bank or do important life stuff without a phone!!!" and it's just, largely, bullshit. I don't do any "important life stuff" on my phone.
Beyond that, even if you had to have a phone to perform those tasks, I'd strongly argue that if you feel you need a second phone, then, and I know this will come off as reductive and unproductive, I think the idea of spending less time on your phone and on the internet, and more time "touching more grass" and interacting with the community and world immediately around you, might apply.
