Handheld Radios, some are those "Walkie-Talkies" (I hate that term btw), others are VHF/UHF Ham Radios, or GMRS/FRS, MURS, or Meshtastic (I don't even know how those meshtastic things work). AFIAK, phones cannot fit those antennas in such a thin build, so they won't be replaced for a long time, possibly forever. I mean, there is no way to cram such antenna in there. There might be some phones that are also handheld radios, but those are probably so niche, that I've never heard of any such thing.
Very useful in like a natural disaster and the cell towers are down. (Or just something like war where the commucation infrastructure is just shut down by the destruction).
Idk about other countries, but in the USA, those walmart/target walkie talkies do not need any license, because they are just FRS radios that use FRS frequencies. AFIAK MURS and Meshtastic also is license free. Ham and GMRS will probably require licenses in many jurisdictions. Some GMRS and FRS frequencies overlap, but GMRS can (legally) use more power, and can swap antennas, which FRS radios cannot (not legally).
Baofeng radios are cheap and its only like $50 or so for a pack of two. They are supposed to be either Ham or GMRS versions, but apparantly I have those "Ham Radios" that can do both which is gonna make the FCC sad 👀
If you have a repeater in your area that your signal can reach, you can talk a long distance throughout your neighborhood.
Both Ham and GMRS require a license in the USA, but GMRS license does not require a test, which Ham license do. GMRS license is literally just a payment for a paper.
Even if you use a radio without a license, most of the time, nothing will happen. The FCC (at least, before 2025) wont care if you talk to your friends using radio without a license. And FCC rules don't apply during an emergency.
(I mostly learned these things via looking around the internet in the past few months because I was interested in the topic of "off grid" communications. I don't have any licenses yet 😅)
So I read the comments, and it seems like you don't really want to switch banks, and the web interface to "too barebone".
My only suggestion is:
Download Shelter - You can create a separate "work profile" that separates from you normal apps. Create a new google account within the work profile just for this purpose, and intall the app in the work profile. Apps inside the work profile can't see anything on your normal profile.