That's a little different than your original premise that one needed to spend $1000 on a new phone every 1-2 years to keep up. In reality you're frustrated that a $100 phone that's 5-6 years old no longer meets the minimum requirements. There's a lot of middle ground there.
The problem with any technology is that the longer you support older equipment, it holds back development for newer platforms. The vast majority willingly upgrade their hardware before falling victim to software incompatibilities. Being on the wrong side of that is a choice.
We can do a lot of mental gymnastics to argue the theory that "everything Disney does is designed to make money." Sometimes that money making is borne out of making customers lives easier. For instance, adding the Magic Mobile features to smartphones and watches, which lessens / eliminates the need for MagicBands.
Discounts are designed to increase spending. That doesn't happen if barriers are deliberately erected to reduce access to the discount.
The digital ID cards for
DVC and AP take seconds to set up and are supported on smartphones carried by the vast majority of Disney guests. Resisting the setup process is a choice.