I'm born in that era, and where I live, I must authorize bank transactions via app, pay parking tickets through an app, use an app for public transport, and need to scan a QR code that's changing every 90 seconds to access my gym.

There is no workaround for the parking app, other than inconveniencing myself and staying at malls exclusively. The gym doesn't have an alternative either. I could surely switch, but that's the only option.

For banking, sure, I could do stuff over the counter like some octogenarian, wasting time getting there and waiting in line. That changes a 20 second procedure into a minimum 1h long one, provided whatever I'm trying to pay happens during service hours of my bank. No thanks.

Public transport would be the easiest, though that only applies for subways and trains where counters and vending machines exist. At bus stops we don't have those, and drivers aren't selling tickets anymore. You must board with a valid ticket, which usually only works through an app, unless you have a monthly ticket that can still be bought as a paper pass.

Not so easy for someone who was born and raised in a time and place where key services all rely on smartphones (especially the WhatsApp for family communications)