This what happens when everyone has to have an ap
Do NOT have the apps, it is quite simple
Do you really need to pay for a coffee with your phone
Do you really need to trade shares on your phone
Phone apps are for the people who want to post a picture of their dinner
No-one in their right sense of mind would use a phone app for any kind of serious transaction
I have NO sympathy for anyone who uses an app and finds they have been scammed/lost money
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