No, we have convenient online services in spite of the endless security theater that permeates consumer tech. All it's done is gradually increase maintenance burden and technical complexity until useful features are slowly stripped out to create a more "streamlined" experience. The mobile app for my credit union has become so shitty that I'm not even sure if losing access to it is a deal-breaker for rooting my phone - I already prefer to do my online banking and shopping on my laptop.

There is no "just works" technical solution for a problem caused mainly by naivete and gullibility. Governments and the private sector know this, of course; as others have said, the real purpose is to control users, not to protect them.

They all existed before mobile apps on systems you don't control became prevalent.

This was just useful for them.

All of these existed well before mobile phones and so called "enforced security". Almost all these apps are wrappers around web functionality.

We've literally had convenient online banking for two decades at this point without any DRM.

Don't rewrite history.

If we have to always appeal to the lowest of the low, the stupidest of the stupidest, then society sucks ass.

What's even the point of me being alive is I can't do anything that isn't completely idiot-proof and made for goo goo ga ga users?

Look, I get it. Think of the children! Think of the granny!

But I'm not a child, I'm an adult. I would like to be treated as such. Otherwise what the fuck are we even doing here? Why can't I just live in daycare forever? Why am I paying bills?

Really? They couldn't just use a website?