When I start seeing young people using flip-phones then I’ll believe they’re struggling, rather than spending their money stupidly.
In the mid-80s, my frugal uncle told me I could save money by not buying “fancy checks”, meaning the ones with pictures and artwork on them. I was partial to the wildlife ones with deer and elk on them.
He actually told me I could save $2 every six months by buying plain old boring checks, and that was an important cost-saving decision in his mind.
Unfortunately, many Multi-Factor Authentication processes now require a "smart" phone.