The only thing I wasn't able to do without so far is SMS 2nd factor. Dumbphone is enough for that.

I don't mind if banks/govs require use of some protocol. But forcing use of specific apps goes against past achievements to make public institutions use open formats and protocols, so I reject that where possible, or complain.

It should not be acceptable. I still remember times when people had to pirate MS office to be able to open some .doc from their gov, or use MS windows to run some proprietary form filling software. That's mostly a thing of the past, thankfully. "My-app or highway" attitude feels like a setback in that regard.