I have to have "an active account" at Rabo to get discount on my mortgage but other than that I only use bunq. I downgraded my Rabo accounts to the minimum needed (1 pas, no creditcard, saved me a couple of euro's). I'm very happy with bunq. When I loose my phone there are always people around with a phone you could use to log in while you get a new phone. Yes, bunq is for people whose primary computing device is a smartphone, I am one of those people, it suits me. I have tried the excellent bunq desktop app as well. You can always install that (before your phone get stolen of course) as a backup. Or simply generate Api keys and keep them safe, just in case.
I also doubt the business model and I would love to hear how healthy bunq is, but in the end I thought the only way to contribute is to use bunq premium and I use it as much as possible. To me the ideals are also very important, the nerdy features that feel like presents every so many months are a nice bonus ;) ("Nerdy" and "cool" are synonyms to me by the way.)