I do absolutely agree that this sucks. However, most people don’t actually need this. Yes, it’s very convenient, but I found that pretty much all banking apps, at least for people I have helped support, offer a web client anyways that’s just as good. It’s only missing things like NFC tap payment.
Of course, don’t get me wrong. A lot of solutions don’t offer web UIs, and that sucks. But we can’t force everyone to be a not shitty developer Sadly.
I also do really miss tap payments with my phone. It’s really nice just taking my phone when I go shopping and maybe $20 in cash. Not needing to worry about my car or anything else.