Even though some scum corps like Chase make it a PITA to manage my account from a desktop through firefox, that's the only way I'm going to interact with them.
"Download the app!"
Hard no!
In fact these are the only apps I think that appear regularly on my phone, but only when I'm traveling: AirBnB, Uber/Lyft, and whatever airline I'm currently flying on next. I think if I'm crossing borders I've installed whatever gov spyware makes TSA/Global Entry easier. They're already groping me hard, why not.
LA Fitness gets to stay because it's dumb and silent. I don't see anything else not security related. On mobile I talk to the outside world with K-9, firefox, signal, whatsapp, sms. I'm happy.