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Users of all ages abandon transactions if it requires installing an app.
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On PC I'm definitely there with you, it's on phone where I have this issue
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the mobile website is just the PC website with css responsiveness, you can just enable "show desktop version" on mobile if that helps reduce your paranoia
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The other common reason I use "show desktop version" is when the mobile "version" displays nothing but "use our app", while the desktop version actually provides the content.

I've had to use this a few times when on my phone to be able to actually access the webpage.

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Many years ago, there was a trend to show a different website, sometimes on a different domain and often with more differences than just a mobile version of the stylesheet. Sometimes the mobile version was not updated enough, or there was a reduction in functionality, hence the paranoia.
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