> i suppose if i absolutely needed to access any finances from my mobile device, it certainly wouldn't be from one of said institution's own mobile apps, but via web browser.

I used to do home banking from my bank's website. Recently, they created a digital-only branch for customers who mostly do home banking and only rarely need to go in person to the bank. They asked their customers if they wanted to switch and offered services at the same or lower cost than before. I made the switch, but found out that unfortunately the new website lacks some functionalities that are only available from the mobile app. I guess they are assuming that most people would just use their phone anyway and didn't bother to reach feature parity between the website and the app, preferring the app.