One of my banks has been closing branches left and right, and if I want to use my accounts for anything other than debit purchases, I need to use the app. Some banks even charge you when you go to a branch location in person and use a teller to access your accounts.

Some jobs require you to install and use apps on your phone. Last time I was a big box retailer, the floor staff had the company's app installed on their phones so they could do instant price look ups and confirm discounts on their store's inventory.

Even just applying for a job requires an internet browser, and many people's only access to the internet is through their phone.