In the majority of cases the Apps are built or mainained by third parties who now additionally have access to your personal information, such was the case with a recent Railway travel app in Europe that revealed customers info and even Passport copies.

That is, among other things, why it is inherently a vulnerability.

In my area government services, medical processing, and utility companies can be managed either via website, phone, or in person. There has been a push lately for apps but I never sign off on any such disclosures and never use such apps. I would sue long before I considered it.

You comment reeks of nihilistic defeatism.