It's super convenient storing your payment card in your phone securely though and not having to carry around another card which can be stolen or lost at any time, it's nice simply taking your phone out and holding it to a reader than taking out an entire card, yet again another useful device functionality purposefully neutered under the guise of security.

one of my banks requires an app on my phone or desktop. the android app does not work on /e/OS, it needs an original google android system. the desktop app runs only on original windows (tested wine, it doesn't work) for any payment i make. only withdrawing cash from an ATM doesn't need 2FA.

You clearly need to switch to a bank that isn't user hostile.

Also we are obviously in dire need of legislation preventing such behavior.

the android app used to work until a few months ago, but they updated their system and forced everyone to switch.

Have you tried calling your bank advisor to see what they can recommend? (You do have a phone number to call, right?)

do you mean ask my bank what they recommend? other than getting a new phone or a windows computer, what exactly should they tell me?

Yes, I mean explaining to your bank advisor that you cannot run their app, and asking whether they can recommend any solutions other than switching banks. They must have a number of elderly customers, and they most certainly have something to propose to them.

It worked for me, in a European country with very high smartphone usage (you can pay on the bus by scanning a QR code). Twice.