The problem here is one of inertia. Companies and government offices can’t support platforms they can’t readily and affordably hire devs for. It’s why there’s historically only been room for two popular platforms, leaving others to fall by the wayside. (Though in the case of mobile, I think we could’ve had three had Microsoft not shot themselves in the foot repeatedly.)

That said there could stand to be standardized APIs for things like banks, which would free users to develop their own apps.