> Use your banks website. Installing a banking app is asking for trouble.

My bank enforces 2fa and the app must be used to log in their website. SMS is an alternative for logging in, but NOT for 3dsecure.

> City hall should have information on its website why do you need an app?

Certain functionality, such as reporting city hall relevant violations (parking on pavement being an example), absolutely requires using their app to submit the photos.

> Kids school app sounds like the worst idea. What information are you missing by not downloading it?

All announcements are exclusive to the app. Trips, injuries, etc.