alt Hacker NewsMobile apps are how most people do banking these days, and it shows. In my experience banking apps are a lot more maintained and modern than classic online banking interfaces.
So you're not just sacrificing "on the go" banking, you are likely sacrificing use of the best interface your bank offers.
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Is the UI really that important though? I assume most people use internet/app banking mainly to do two things: make payments, and look at transactions. I also assume most people don't do these things very often. Sure, a good UI is nice to have, but it isn't going to affect my life much if it's missing.
I don't have the same experience. My main bank is a huge European bank, and their app is laughably bad. You have to jump to an impressive number of screens to reach anything other than "last / upcoming transactions" lists. Many are actually just janky webviews, yet they still somehow manage to work worse than their website. Bonus points for it being "temporarily under maintenance" seemingly every other day.
I should note that the website is pretty janky itself, but at least it works fine (meaning "not worse") on Firefox on Linux, and it doesn't even pester me to change browsers or anything.
I also have an account with one of those new "online" banks for when I travel, since they have better exchange rates, and, importantly, no conversion tax. Their app is somewhat better, but they have no website whatsoever, AFAIK. But, at least, they allow me to set up a proper password instead of clicking on 6 digits as the other bank.
Sadly true, while not being a phone person, I have started using my home banking phone for tasks I used to do on my desktop. Still never leaves my office.
Also, most smartphones (especially GrapheneOS, iOS, Pixel, etc) are far more secure than desktops/laptops. So also from a security perspective it's better to do banking on a phone.