I live in the UK and have used 5 banking apps so far (not all of them at the same time):
- Barclays (App won't work with LineageOS, website is horrible).
- Monzo (App only, no website, works with LineageOS).
- Revolut (App only, no website, works with LineageOS).
- TransferWise (Web and App, both work well, but never tried it on LineageOS).
- ING Home Bank (App won't work with LineageOS, website is manageable, but still a pain compared to the app).
Of course I don't have to use any of these, but there are clear advantages to using any of them, depending on the situation (you wouldn't take a mortgage from TransferWise, split bills with Barclays, and hold foreign currency in Monzo, mainly because they don't support that). Also you don't have to use a phone, just walk around without one, make people email you instead of calling, and ask people for directions instead of looking at a GPS map.
My point is, I paid for my phone (me alone, nobody else chipped in) so I want to use every feature it provides without restrictions, as it is my property. That goes for both taking screenshots and using apps. And when it's not possible, I look for alternatives. Right now none are practical, nor feasible, so all I got left are tricks like scrcpy and rants on forums ;).