that's kind of an ad hominem, but also beside the point: most bank apps (and websites) are actually absolute garbage, especially the top ones, just one example: the Citi app (on different phones) for a very long time refused to allow me to make a payment or change my password, so i had no choice but to use desktop. Somehow still, top banks' ugly websites seem to allow more functionality/fewer bugs than their mobile apps, which are very often just dumbed-down webviews or simplifications of their websites.

You may have missed that I've included myself in that cohort, being an older millennial. So it's less ad hominem, and more self-deprecating.