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> There is a lot of real usage which is not "banking/payments/secure messaging".

In fact, I don't do any of those on my phone. Unless maybe you count email as secure messaging in some way.




> Unless maybe you count email as secure messaging in some way

I would say yes, considering email is often used as a primary means to reset account passwords. Most services support MFA (which could be somewhat of a mitigating security control), but a LOT of services still don't.




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