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I don't like using apps to start with tbh, 100% pass on that. Installing random software to phones should never have become so commonplace.
I agree. We have mobile web sites for just about everything. Apps should really only be for when the requirements are too complex for a website. Webapps are probably convenient alternative for most apps.
Hell, I can do my banking on the mobile site, so why do I need to install an app and share my phone's contacts and precise location? Why does it need to access my phone's storage and sensors and ability to make calls?
I use an app for local banking because the encryption is a little better and there is potential for browser addons to view the page data, but TBH I wouldn't trust a Wells Fargo or US Bank app lol.
I run GrapheneOS, so I can more explicitly set permissions and scopes, but the app won't run without all the permissions enabled, so I won't use it.
The only thing the app can do that the website can't is deposit checks with a picture, and considering how rarely I use checks, it's not something I need an app for.
I'm on Calyx but a couple issues have made me wish I had chosen Graphene.