I can get alerts in email or messages, no need dedicated app for that, I can track there also my balance, so only useful thing app provides are easy wire transfers from phone, which I never do, if I wanna transfer money is much more convenient work big display, proper keyboard and mouse than from phone.

That's great for you but unfortunately the overwhelming majority of people do indeed regularly use these features.

You actually check your email regularly? How much effort does it really take to transfer a balance on a phone?

For Bank Of America it’s:

1. Click on “pay & transfer”

2. Click on “transfer”

3. Click on “From” and choose account

4. click on “to” and choose account

Then type in the amount and and click on the date?

Is it really that much easier on a computer?

We've cultivated a tech culture that can't stand the slightest inconvenience. People will give up nearly everything if it means avoiding the least bit of effort.

We are so boned

"if I wanna transfer money is much more convenient work big display, proper keyboard and mouse than from phone"

You realize how ridiculous this sounds, right?