You're getting downvoted because that's not the point.
You are technically right, we still have access to these services via a web browser today. It doesn't mean we'll have it forever.
With the advent of AI browsers and AI agents, it's not hard to think of a future where LLM chat interfaces and mobile apps are the future, and web apps start getting disregarded as legacy and eventually, discontinued.
Try ordering some food via mobile application and then again via web app. You'll instantly feel the downgrade on the web app. Bugs, glitches, slow experience.
The desktop web is already the 2nd-class citizen for modern startups.
My reply is a counterpoint to the statement that banks, government services and streaming services require excessive control over my device. They aren't, as they all can run in a browser, which sandboxes them from the OS. That's it.
And I guess people who downvoted my counterpoint thought that it means that all services on the planet have very well functioning browser version, judging by their comments. Some don't, some do. But no one of them "requires" excessive access a native app can provide.
Some may want to have it, for some browser version is simply not a priority. But nobody needs to have additional info for those services to function.