But the bank and government apps that one realistically needs do not require in-App purchases or other subscriptions, of which Apple or Google take a 30% cut. H

But the bank and government apps that one realistically needs do not require in-App purchases or other subscriptions, of which Apple or Google take a 30% cut. Has there ever been a problem that such an app has not been approved? If not, what is the problem that regulation ought to address?