Galaxy
I think the answer is to provide the means to overcome those issues not exclude them from something that the rest of society can access. So we shouldn't be saying well there are people who cant afford a phone/laptop so they should be able to do it non digitally, we should be ensuring those people can have access to technology.
Sorry, my post was badly worded - I should learn not to post in a hurry. I agree that everyone should be able to have access - my point is that those who simply 'don't want to' pay online or use the Internet in various ways should not be able to hold back the rest of us.
I know a couple of Luddites who expect everything from knitting groups to council tax payments to use outdated and cumbersome methods because they 'can't' use Facebook, or 'don't see why they should' use online banking, and I do think that this is unreasonable. These people both have smartphones and computers in their homes, with broadband connections that are used for things they want to access, so it is neither inability nor accessibility that is stopping them.
It is possible to have a FB account that is never used for anything other than to access things like group announcement pages, which are free to use and easy to access, and I don't see why someone's reluctance to get one should trump the convenience of the rest. Similarly, it costs a fortune for councils to have payments made in person or over the phone, so I don't see why this should not be the default.
I do, however, think that there should have been more credit given to the Labour promise in the last election campaign to get free broadband rolled out to everyone. It was a very democratic policy, but of course it was ridiculed. Johnson seems to be belatedly realising how important it is, so maybe we will see internet access made more widely available. It is already a requirement for benefits claimants to access the Internet, so there should definitely be easy and cheap access, both for them, and for vulnerably housed people and those on low incomes (although I would prefer a living wage to be set at a level that would cover a broadband contract, but that's another thread).
I also think that there should be some exceptions to default online activity. My MIL, for instance, is in her 90s and has never used a computer. I'm not saying that she would be incapable, but I don't think that the effort involved would be worth it at her age. People with disabilities or learning difficulties may also have problems accessing online options, and this also needs to be addressed.