Windows 8.1 has not been supported in a number of years, I believe since 2015, yet the 8.1 phone I have still makes calls and sends texts. Sure other apps don't work on it, however I do not use my phone for anything other than calls and text. Period. I understand the risks of financial transactions online, and on a phone it is adding to the exposure. Hopefully Win10 phones will still work for the next 4 years, just like the 8.1 I have now that it is replacing.