Sideloading implies a subversive action, which we should not be primed to think.
Pretty much every app I can think of building for my family could just be a website iff local browser-resident persistent data was a thing. (And in some cases I wouldn't even need that if they were going to be always-online.)
As for the banking and identity apps, I probably shouldn't be keeping them on my big cool phone that might eventually get stolen.