Genuinely curious - aside from, say, 2FA, what do you need your phone for for those services that you can't do via the web on a laptop or desktop? I'm not trying to be confrontational, I'm just thinking through how I use bank/health/travel services and am struggling to think of something that can only be done via a mobile app.

I've forced myself to go laptop/desktop-only with most services and have found that I can keep my phone away from my person for most of the day, save for moments where a service requires 2FA.