My country’s gov has a 2FA app to authenticate logins for public services, check digital IDs and pay taxes. No web version for that. Local banks also use that system to validate your KYC so you need to have it on your phone anyway.

All of my banks are neobanks except my savings account, so also no web banking there. These banks have several “pots” which you can use to divide your money (bills, holidays, use later, etc) so the interactions with these apps are pretty much daily. I also don’t like to have too much money readily available so that in case of my card being cloned, the hackers won’t be able to take more than 100 euros from me.

There are also public bikes that are free to use but require a specific app that for some reason didn’t work at all on my GrapheneOS install (I think due to Google Play Services seeing my Os is not signed by Google). I’ve also had issues in the past in a city where you could clock in and out of the metro station using an app, but I couldn’t use it because of GrapheneOSs strong anti-tracking features. Had to fork out extra money every time because paying for the metro through the machine would force me to charge at least 10€ at a time while the app would take the exact money due from my account if I used it…

So yes, 1 inconvenience at a time is how these alternatives OSes become major PsITA to use. It’s not just the banks, it’s also the obscure local apps that are necessary to live a normal life. If you have free time to search for alternatives or don’t mind the extra work then it’s probably fine, but when you have a job and need things to just work then it becomes really jarring to use. Just my opinion.