Here in Brazil, banks require you to install a literal spyware and go physically to the bank to allow it, if you want to do banking on your pc, while some banks don't even support it. Meanwhile, the same banks will allow you to just download the mobile app and use it with minimal requirements and no need to go physically anywhere. Then they say that people just don't want to do banking on pcs anymore.

If so, that sounds nightmarish

It is

USA, and there are quite a few banks that only allow digital check deposits through their official app and not the website. Not having access to those is a dealbreaker for me, and I simply dont have the time or patience to switch banks and lose out on the advantages I chose my existing banks for, just to be able to switch phones. It would be a lot of work to keep the feature set I already have. Additionally, these banking apps tend to check if a phone has been rooted or jailbroken and will disable themselves if they see evidence of such.