yeah, the income tax/welfare state has nothing to do with specifically singling out the biologically productive and enterprising to be further down the stream of endless fiat units
Discussion
also, wtf, "normal phone" NFC on phones didn't start to become common at the bottom end of the market until 2021
NFC has been a feature on smartphones for quite some time with earliest support in 2012 and becoming common with Apple iPhone 7 and Samsung Galaxy S3.
What is a "normal phone" in this context?
Not on my phone, and I have a Motorola Power from like 4 years ago. Maybe it's less common in EU.
Probably not an EU thing, though I have seen that there are model variances depending on where a unit is sold. The bigger issue is some of the less prominent manufacturers just aren't including the capability on their entry or mid level lineup to save on costs. NFC is so rarely used outside of the Apple Pay fanatics that it makes sense to not make the cut.
But the true problem here is the tyrannical requirement of NFC for your particular needs. It's not like these institutions are providing standard issue phones to the entire populous. An experience should be enhanced by modern tech, not mandate it to live.