While you have a point there is another aspect to this: If our current situation were already different, netflix and banks would not be able to pull these things in the first place.

E.g. if using open free platforms was already the norm, netflix requiring a verified OS would just result in netflix becoming unusable for most people rather than just killing a couple edgecases used by a relatively small number of people. And so it would no longer be in their financial interest. It's why we've had desktops for so long without this happening, although the pieces are finally being put in place to make it a reality.