I have converted most of my family to /e/OS running on cheap Motorola phones (5G Ace).

The main software issue has been banking apps overly focused on security. Solution: Just use the web site. The only exclusive the installed app provides is paper check deposit --- and who uses paper checks anymore?

Lots of people don't know that an icon can easily be created to launch a web site just like an app. Most users won't notice the difference.