I'm on both sides of the fence on this one. On the one hand, it's people underestimating how much features are in the app that they've never seen, used or heard of. On the other, if that is the case then is their presence defensible?

I wonder if they could make apps more modular, and only load the binaries for e.g. payments on demand. I know Apple offers a system that does that for content chunks (e.g. levels and assets in games), and in a web-based application (e.g. react native) they could use bundling to remove it from the initial download.