Ideally they should have also told all German banks distribute or offer non-App based accounts or 2FA? But they did not.

Also people are dependent on Play or App store. DB does not offer the app for direct download.

There are AFAIK no plans to completely remove the offline ID everyone is currently required to carry, so I doubt there will be similar rulings for EUDI as long as it remains an optional alternative for people who want to use online services.