That’s some suckless level cope. What’s correct is the way that creates the least friction for the end users. Who really cares about some programming purity aspect?

Windows way is superior, in my opinion. I don’t think there’s a need for File.txt and fILE.txt

It’s possible, just very inconvenient. You end up getting massive amounts of change that you have to lug around to spend.

Depends on the country. I’m teaching in Thailand and here you can’t do any banking through a browser. You can only use the bank’s official app and you don’t even have a login/password for it, you have to go to the bank and activate the app in person as a foreigner (I think Thai citizens can do it online but foreigners have to do it in person). Nobody takes actual cards for the payment and you pay everywhere by scanning QR codes which has to be done through the app. If you buy a new phone you have to activate the app again at the bank’s office. It’s really annoying and the reason I probably can’t go with GrapheneOS or any other custom roms because the bank app is absolutely essential.