It's nice that this works for you, but unfortunately I strongly suspect that you are part of a tiny and shrinking minority.

Not every service provider offers a web app anymore, and if they do, it's often penalized in terms of functionality or fraud screening hoops one has to jump through (since mobile apps offer device attestation and generally have a higher cost per bot action than browsers). Some even outright demand device attestation, which not only excludes non-iOS/Android devices, but even custom ROMs or non-Google-blessed phones, since they lack the necessary keys.

And yes, people could protest that by just not using these services if they're not strictly necessary to survive, but the dynamics here (tragedy of the commons etc.) just don't work in favor of individual people.

Curious: How do you do your banking? Most of my banks de-facto require an Android or iOS app for authentication, unless you want to do all your banking in person and pay hundreds of Euros in fees every month (and even that would exclude you from many services).