Does that include banking and credit card apps? Most of my bank and card accounts require their own phone app to authorise transactions from time to time, and several accounts require their phone app to authenticate login to online banking, even if I'm opening it in a regular desktop browser on another computer. Three of those accounts don't have any other way of being managed than online, so their phone app (or tablet app) is mandatory to do anything with the account.

I had to buy a replacement phone in a hurry last year when my old phone's screen stopped working, just so I could login to make an urgent bank transfer. I would have preferred to take my time over what to buy, but so many financial things I use are blocked without a smartphone now.