As someone who dabbles in alternative mobile OSes (and would like to switch to one full-time again soon), it's frustrating when there isn't a fallback option to standard protocols. Thankfully email/SMS are still fairly ubiquitous, but I don't like the idea of that going away for something important like banking and being locked into one of the big two platforms.
Email is fine too! Or maybe RCS in the future, though I’m not sure if there’s a free RCS stack anywhere yet. But honestly, though I rarely use SMS for personal communication these days, it makes a pretty good fallback, and it’s damn near ubiquitous.
