[dangerdoc]

There are lots of things to use the phone for other than banking and shopping.

GPS
MP3 player
kindle reader
mobile FreeRepublic reader.
Yellow and white pages.

That is 99.9% of my smart phone use. No information there that would change my life if it got out.

[rarestia]

This is just me, but in response to your uses:

GPS - I use an atlas or map it out before I leave the house.
MP3 player - I have an iPod for that.
kindle reader - I prefer paperbacks
mobile FreeRepublic reader. - I love you guys, but I'll take my FR from the office or the home office. FReeping can get heated.
Yellow and white pages. - Same as above.

Of course, I could probably rebuff any use for a smartphone with its former equivalent. Being an IT guy, I'm one of the few who eschews advancement in lieu of contemporary, proven technologies. I just don't trust smart phones.