It will go fine, because everything you want to do will require it. Even if you don't strictly have to, you will be effectively ostracized. Transit, entertainment, productivity tools. Haven't you noticed that things that have previously been easy to do are much harder now, even before this has rolled out? Like providing a government ID to visit a museum, for example. Or getting an email address. Using claude.
I feel the idea of public key encryption could be done without a phone but the device locking makes it harder to transfer the token off device. Like the parent comment said, I think 90% is all we can aim for. Nothing is going to be perfect.