You don't have a laptop or desktop for those things?

Whilst I may not represent the average person, I have no need to check bank statements or manage insurance immediately, so I can wait until I'm at a 'real' computer to do it more conveniently and easily and with a bigger screen and keyboard and mouse.

GPs point about the 'relationship with the smart phone' seems to be pertinent. "need to install an app" to do these things only makes the point stronger.