Very good point, though I believe it's both market push and consumer expectation.

Because we have such limited control over our devices, they effectively provide the security of a jail locking down what users can do. That is appealing from a healthcare or banking perspective because it obfuscates the client-server API and gives exact control over the UI. As a bonus, the coffee chain gets to glean lots of details from your phone that would be unavailable in a browser.

As individuals we can do little more that push back: don't let yourself be trapped by coffee chains (go to a different one) and bother your bank's service line about having to use their app. The rest is up to government intervention, I fear.