Re: People are just too goddamn smart.
Banks, for starters. All of them as they've agreed to do so in bank cartel meeting, being proper cartel and all.
"Paper pin-lists are banned by EU, you must have a phone app to use network banking"
"Oh, you you don't have a smart phone, too bad. Just pay them in the bank then."
And if you go to bank (hah, nearest is 15 kms away) they charge 8 euros per bill you want to pay anything.
Try to live without banking ... so yes, it is literally forced on you.