For all the "My Banking Apps don't work", I'd raise one question: Do you really need access to banking apps on the go? I get that it can be handy and maybe you legit do, but I'd wager most people don't really do. If you can pay by phone you can pay by card and the card has less potentially to weirdly break. And if your bank demands a phone app to be used, you can always have a cheap stock android lying around at home…
Sure you could say I do not go out and do not need that but realistically this is just how the world works now.