In my country, we do. For starters, we use apps for authentication and notifications. We can debate whether web push is viable, but most banking apps simply do not rely on it. As for older people, I would rather they use an app than a website because it is far too easy to fall victim to phishing attacks, no matter how much we educate them.

This doesn't answer the question though. If someone says "how do I have safe sex" you don't suggest abstinence.