Web browsing (like right now), photos, e-books, lots of messaging, music, sometimes video.

I use NFC payments often, but I wouldn't say that amounts to more than a few percent of my total usage.

Everyone uses their phones differently, of course. I don't think your use is unbelievable or odd, but I do think your use patterns are not the common case.

I used my bank app yesterday, but since then I've used:

whatsapp, phone, push authenticator, safari (having followed a link from a message), spotify, slack, mail, calandar, disney plus and camera

Do you not do any of that on a mobile device?