Won’t work for things like neobanks (revolut, n26, trade republic, sumeria)

Ya know, fair enough there ngl, I forgot about those and it definitely makes a difference if you're reliant on an app.

Also many banks have a disastrous web interface in my country, and card 2FA is sometimes only done on the app for internet payments

Yeah, not much can be done about bad web design. I found that me during a period abroad, it was a worthwhile compromise, but sometimes it can be brutal to deal with.

I know not having the app makes me unable to get Burger King offers, or use the Yuka app, both of which I really need

Gotcha, but in that case, it's effectively them bribing privacy concessions from you. That's part of the payment trade-off there.

I don't really disagree with your points here; it highlights the importance of threat modelling. On a country-by-country basis, things may be far easier or harder. For example, when I was in Japan, I used fewer privacy-questionable apps due to less cultural and technological impetus than I have in the States. The differences you're having issues with are likely heavily based on both infrastructure and value differences between much of the comm and you. I frankly make many privacy compromises compared to others here myself, but that is less do to the alternative being backwards but more so due to it being ever so slightly more inconvenient.