I don't really understand why it is that on a PC/laptop we do our banking, news, and other tasks in the browser, but on phones and tablets we need apps for all

I don't really understand why it is that on a PC/laptop we do our banking, news, and other tasks in the browser, but on phones and tablets we need apps for all these things. I recently upgraded from a Samsung Note 3 (which my wife now happily plays Hay Day on) to a Q10, and can do everything I need through the excellent built-in browser. As far as productivity apps, I use Blackberry Hub, Blackberry Remember, and Evernote, and can't think of what else I really need to do on my phone. I've always struggled with lack of concentration, focus, etc and by the time I was on my third Android smartphone I realized that they're Big Glittering Distraction Machines. Personally, I find the lack of apps and games on BB10 a blessing, and the OS is unparalleled for my primary use, email and texting.