This 100%. I don't understand why everything needs to be an app nowadays. Some things are best done in person and without to technology. No, I won't install some shitty app that requests location and network access to order lunch. If a venue does not provide a paper menu and accept cash, they have just lost my custom.

Revolut seems to work without physical presence.

And the website and app of my bank with offices is ... how should I put it ... a bit Kafkaesque.

The obvious thing banks should be doing is putting fucking restrictions on these accounts by default and let people ask for exceptions.

And of course if regulations don't encourage them to pick social-engineering-proof defaults then things won't improve.