It is when you need a phone to run apps to do your job or for simple things like banking. Talked to a pest control guy who works for a large company, and he needs a smartphone to do his job. He is quite literally managed through an app, needs it to check-in to work, for time sheets, find out where the next customer lives etc. Someone like that cannot go without a smartphone, requirements like that are leaking into low-level service and retail jobs, now.