You are right. BTW: ot all banking apps, but most of them.
So you have to use two mobiles 😊
Or a better solution to use webapps, like the nostr webclients on mobile
On the other hand I don't use even banking apps. Intentionally. This is an another kind of dependency. So if ylu use them, you can forget the word "privacy".
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good point about webapps. sometimes they suck, but it's better than zero access. i still have many fiat based bills to pay and will be dependent on banks for the foreseeable future.
Anybody have to find the balance between the privacy and dependency.
So I dare to declare that the dependency is a kind of laziness.
Conclusion: Privacy/freedom vs. Dependency/laziness