What government apps do people run? Why do you need to access your bank account on your phone? Is this some payments model that's just not common in my country where we still use physical credit cards for everything?
So no, my everyday interactions don't require the phone app. But any interaction that is novel enough to require direct communication with the bank has been rendered annoying without the phone app.
I'm someone for whom I'd probably be willing to deal with all these inconveniences to make my statement about ownership over my hardware and software, but I doubt that very many average consumers would.