> could you give some exapmples on how it limits the use of your device? Forcing me to use a smartphone app means I can't use a normal desktop or laptop comput

> could you give some exapmples on how it limits the use of your device? Forcing me to use a smartphone app means I can't use a normal desktop or laptop computer, or even a non-Android, non-IOS smartphone. It means that institutions that provide a semi-public utility (e.g., banks) force people to support and agree with the terms of use supplied by a (foreign) megacorporation to function as a citizen in the digital realm. That is inherently undemocratic and a threat to our freedoms. Expecting the vast majority of citizens to have access to a computing device with a modern web browser is somewhat reasonable (as long as those who can't are supported by other means). You can at least choose what software you run, and there are free software options available. With smartphone apps (well-built web applications excluded) that freedom does not exist.