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Why do you need recent OS? Lets be honest you will only be using it to message/calls and some browsing.
Also 2FA, Internetbanking, Bitcoin wallets, Damus (Nostr).
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You dont need the latest version of OS for any of that
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Not true, recently got nofication from Swedbank that their iOS banking app will no longer support iOS 15, which is the latest I can upgrade my iPhone 7 to. From my old Android days I remember apps dropping support for older Android OS versions even sooner.
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