Nordic, works just fine, i only have an HMD 'Nokia' non-smartphone (i detest capacitive touchscreens, and my previous ungoogled qwerty android phone broke, waiting for my next one to arrive in 2026-12 or thereabouts).

No QR-code-only restaurants that i have seen, and i would walk out without a word if that happened (even if i had a device that can do that). Bank does 2FAs second part with an SMS, first part is username, password and an otp code from a paper. Bank login is also a very common way of logging into governmental systems, but those only use the username, password and otp code, skipping the SMS, alternatively i could use an id card with a reader, state provides even Linux software for that.

The housing companys winter car engine heating sockets operate with an app, or alternatively just opening the lid and setting the timer yourself.

Additional data point: my dad, when he was still alive (-2025), had a smartphone but wouldn't use apps beyond facebook, did his banking by mailing in signed bills or at the bank in person, without an appointment.

And hopefully it stays that way in Germany. A state and its essential-to-life institutions and businesses (which includes cultural participation) need to be accessible to everyone. That includes people who don't own a smartphone, for whatever reason.