As the post you directly responded to never said the word never, I'm thinking you where actually responding to the previous comment. In which case: yes, never.

> Unless you give up on

I don't refuse to install apps, I have apps for both my primary banking organisations on my phone, I don't intend to write apps, I don't intend to provide extra fodder for their platforms and claims of their size. Most apps don't need the things that not being a native app means they can not support. NFC there might be uses for, but not that are irreplaceable that I can immediately think of, and you can access things like the phone's camera so other features like NFC might happen in that realm too.