My mum struggles online – it’s not the technology, but the faff and risk of fraud

‘Just filling in a form to verify a minicab account is enough to destroy someone’s fragile peace.’ Photograph: Photographer, Basak Gurbuz Derman/Getty Images (Posed by a model.)

I was round at my mother’s house to remove the banking app from her phone, which I had only installed four days before, so, while it would be putting it strongly to say I was opposed to deleting it, I was definitely after a bit of clarification as to why. I tried to express this in the gentlest and most patient way possible, by shouting, “What’s the point, though? What’s wrong with having some basic banking capability in your house, considering you never leave it?”

“What if someone steals my phone?”