I don't mind in these cases. Because I already have to present my ID card or my driver's license, when I'm doing most of this. I'd buy a cheap laptop, label it as a banking and ecommerce laptop/tablet, and use it to browse the corporate web. More friction, yes, but I'd welcome it as it would make me reluctant to interact with them. Any other sites that try would just end on my blacklist.

Those normal activities like banking is a corporate service and I'm happy with it's regulation and it makes sense to be regulated.

Buying stuff is on a spectrum and I think a consumer should be able to chose a tightly regulated system for exchanging currency.

Most everything else should be free to choose.

E.g. McDonald's android app, at this moment. It doesn't launch on devices which fail Safety Net checks, i.e. modified firmware

I have been in the tank for Apple since the 80's. So no doubt I'm distorted but content.

Financial transactions could become so streamlined that a "commerce fob" is likely to emerge. That would be a credit card with a screen and buttons.

Think about how streamlined all these tasks have become. Putting those in a single ROM that has a screen and is tied into some legitimate network will emerge.

It is only out of convenience that these services are currently tied to a "phone".