now. In general it certainly is; web interfaces will be phased out unless web browsers gain client attestation capabilities (at which point it's game over for the open web).
E.g. Revolut never had a web interface and is doing just fine.
I can't go to Google HQ and reinstall their locks because I think their locks are insecure, and I certainly can't declare myself the arbiter of who should be allowed to open their locks. I'd be charged and put in jail. But they can do the digital equivalent to my device and that's valid business.