Exactly. I'm literally penalized because I have control of my own device (which somehow isn't an issue with the much more "insecure", root-wise, browser on a linux desktop)
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.
>>baq+X1
Revolut does have a web interface, with some limited functionality. It's still useless to me because I need the phone to authorize it the first time.