Consumers are not helping though. They do everything on a smartphone and don't even blink when mobile app is required for most trivial things.

To echo the post you are responding to: when the app is required it isn't really a consumer choice, is it?

	▲	lifestyleguru 5 hours ago \| parent [-]
		> required it isn't really a consumer choice, is it? No one really resists or pushes back. When I resist I hear "that's what consumers want", "it's for security", or that I'm the problem. There is no one to complain to even, except to low paid kiddos in customer service.