I'm lucky my banking app works (GrapheneOS), as it's now requiring 2FA with the app anytime I login on the browser. Can't use an actually secure form like TOTP. At least they now allow passwords over 8 characters (yes, serious).
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This is true, but almost nobody uses it- Mobile BankID is the ubiquitous app for that, and while there still is the possibility, not all sites accept it. Not to mention, this still requires a computer, and while you may be inclined to say that "well there are always libraries", you cannot install third party software on their computers, and they do NOT carry BankID application (because of course not). This is true for social services as well.
The real fear is the fact that once everything goes digital - and it will - everybody is at the mercy of finance and the ability to procure a telephone, and or a computer, and or an internet connection (all SIM cards have to be registered with national identification before the state, adding to the problem of how you would identify yourself in the first place in lieu of such capabilities or possibilities).
Neither having a phone or a computer is considered a human right yet, as far as I know, and in either case the state is not obligated to provide you with one regardless.
May seem like nitpicking, but that is what lawmaking and jurisprudence is all about.