I figured "my phone's weird and I don't have the Play Store and can't really install the app" would do it, but it really really didn't.

Two different people pressured me to install the app. Both pressured me hard to show them (not at the same time, one after the other) that I didn't have the Play Store. (And, yeah, I should have walked out before it got that far, but I'm not proud to admit I didn't.)

The second one pressured me hard to go to such-and-such URL and download the BOA app in a way that didn't require the Play Store. (Honestly, I was an extremely late adopter of smart phones. I didn't and still don't really fully know my way around them. And didn't know you could just download an APK via a browser and install it. To be fair, I guess I still don't know that for sure, because it didn't work when this guy got me to do it.)

After that didn't work I was like "it's not like BOA doesn't have a web app, right?" and hevery disapprovingly told me "but you know the web app isn't secure." I can't say I've been literally shocked speechless many times in my life, but this was is one of them. (This was after I told him I'm a software engineer by trade. In fact, I'm a web developer and I'm the web application security guy on my team. Ha!)

I think "it won't work on my phone" made these folks go into tech support mode. That surprised me. I figured they'd be fairly tech inept and not really want to get into a whole technical discussion. Which is why I'm thinking "I'd rather have a buffalo take a diarrhea dump in my ear than install your app" might bypass the "tech support" conversation to the distainful lecturing one.