Maybe I'm out of the loop but what is everyone doing with banking apps on their phones that's so essential. I see this argument all the time but it's baffling to me.
My bank closed down their old online banking site and the new one needs the phone for 2FA... but ... drumroll ...
... the idiots also want me to keep using the token device to log in before approving the log in via my phone.
Security theater.
I also use it for a few vendors for some small payments I make every month for my studio.
I don't use them a lot and I know some people that use them for 90-95% of the stuff they do which is crazy to me like yourself. I try and limit my use of the apps to as little as possible. Whatever works for people I guess.
I refuse to have my browser fingerprinted as a "trusted device" because part my bank is just bad at it.