I feel for you, dear. I do not have an iPhone, just an average galaxy android and after two years, I haven´t made friends with it. It is confusing and arrogant and I miss my old nokia!
But I do use the basic functions. I don´t have the banking in it though, as well as many "popular" applications. Why should I? I don´t wish to end staring in the phone day and night. It is enough I spend considerable time at my PC! It is a good servant and Ii hope it will stay like that. I don´t want it to become my master!
Good luck with it. I have no idea what to do with it - everything does my sone for me:-)