> My banking and bill paying is basically online only. It's not obligatory but it's far, far more convenient online.
So, not a necessity.
> Debit cards still exist but they are being phased out slowly in favor of NFC.
Not a necessity (and I expect by "phased out" you mean you see them less).
> To board transport I can still use a card but recharging it is easier via an app than by standing in line at a machine where I'd have to pay with a card or cash.
Not a necessity.
> At work we often communicate via group chats. It's quicker and less intrusive than phoning or emailing. I don't love it but I'm accustomed.
I assume you have a work device and this is during work hours? If so, not a necessity.
> To pay taxes or fines to report to the city that a tree branch fell to consult my property tax info or medical records or to get an appointment for minor surgery - it's all easiest or only possible online.
Easiest = not a necessity.
You've just detailed things that _you_ find more convenient to do on your phone and that you are able (and encouraged) to do. But not one of them appears to require a phone, or - outside of your specific job - even internet.
> My banking and bill paying is basically online only. It's not obligatory but it's far, far more convenient online.
So, not a necessity.
> Debit cards still exist but they are being phased out slowly in favor of NFC.
Not a necessity (and I expect by "phased out" you mean you see them less).
> To board transport I can still use a card but recharging it is easier via an app than by standing in line at a machine where I'd have to pay with a card or cash.
Not a necessity.
> At work we often communicate via group chats. It's quicker and less intrusive than phoning or emailing. I don't love it but I'm accustomed.
I assume you have a work device and this is during work hours? If so, not a necessity.
> To pay taxes or fines to report to the city that a tree branch fell to consult my property tax info or medical records or to get an appointment for minor surgery - it's all easiest or only possible online.
Easiest = not a necessity.
You've just detailed things that _you_ find more convenient to do on your phone and that you are able (and encouraged) to do. But not one of them appears to require a phone, or - outside of your specific job - even internet.