At least in the USA I can *use* my bank without needing a creepy proprietary phone app. I just need a browser, a password, and either an email or a phone, and if I choose the phone option then even a 50-year-old land phone will suffice.
I don't need a proprietary app to ride a bus, either. Cash or a bank card will do. I think there's a city or two where you don't even need that.
Don't act superior. You've got bigger problems than we do. We still have some privacy; you have none.