What government apps do people run? Why do you need to access your bank account on your phone? Is this some payments model that's just not common in my country where we still use physical credit cards for everything?
In some countries they are mandated if not by law then by implementation, a relative or a social worker is tasked to get grandma equipped with a "smart device". She can even borrow it for a few months from municipality services until she can afford to buy it