Indeed. Avoid any critical service if it requires having an app (or even a cell phone for 2FA, although sadly it's becoming the norm).

I got locked out of Google because my second number was not a cell phone. Back then, they had the option to call and read the code. Suddenly they took that option away and only allowed texting.

My bank only supports Zelle in the app, not on the web interface, and ever since an update a few months ago the Zelle part of the app suddenly won't load at all on GrapheneOS. There is no fix. So now I can't directly send and receive money through a bank without waiting days or paying a wire transfer fee, because in the United States this ability is monopolized by a private corporation's proprietary service, which can only be interfaced with through one's closed-source banking mobile app.

I don't use Zelle (or Venmo). One can have a decent life without these services :-)

If I need to send money direct, I use ACH. Yes, it takes a few days. And yes, that's fine.