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> Your mobile banking app uses E2EE;

I highly doubt it. Unless the other "end" is the bank in which case this is just transport encryption.

> online chats with HMRC are protected through E2EE

Are they? Why is the other end in this context.

Sounds like ybe author doesn't even know what E2EE is.

Naw mate, you're the one that's mistaken.

Or name me a single one that doesn't use at least https.

With chat apps it's a different story, because the end isn't the server in that case - but in the context of banking https is enough for e2ee