For banking and other official business, they have to go physically. If their bank has no physical department near them well then it sucks to be them. For digital mail you can apply for exemption and you will get physical letters.
You can order a digital code generator so you don’t need the app if you still want 2FA for digital handling. But I don’t want to have to carry that with me it would be a significant inconvenience for me.
Because the EU is a diverse group of different interests, and while some intend to do good some are also fucking psychopaths.