Nah, if a bank or some other civic entity wants to have a "secure agent" for transactions/communication with me, then they should be the ones providing that.
Much like I expect my employer to provide me hardware, and that hardware is used exclusively for work.
I shouldn't have to spend my own money on another device, nor should they be asserting their desires for control onto my own devices.
Yet you're paying to get a passport etc...
You are free to use your pc. But it’s up to you if you want the more advanced features on a phone app.