It is actually much worse than that. Much like banking, the push for digital government services in many countries has ended up more or less requiring every citizen to own an up-to-date, non-jailbroken iOS or Android device. If you blocked your phone from accessing Apple or Google servers (or if it's 6 years old, a dumb phone or runs GrapheneOS), the support staff will just tell you to walk to your closest Best Buy equivalent and grab the cheapest Android device you can find; in the name of "security" there often is no fallback option, and when there is one it's SMS 2FA which is (understandably) rate limited to three uses per year.

If your phone gets stolen, meanwhile, you may find yourself unable to log into the police's portal for reporting it.