Technology

My bank requires a phone for its device token (2fa).

In most cases (at least in the US...I suppose that there might be places that require use of a state bank or something) one can pick their bank. None of the banks I bank with require this, and I have never installed a banking app (though I think that they all have an app as an option). One may need a phone of some sort to respond to a voice call or an SMS to validate oneself, but not an app. I believe that Bank of America has the most customers in the US, and they'll even do YubiKeys via a browser.

The food and cab ordering platform is also exclusively on mobile only.

I think that GrubHub and Uber Eats are the most-common food delivery options where I am. It looks like both permit ordering from the Web (though I've never used their services).

Waymo, which in the US is, I think, the most-advanced robotaxi service (and probably currently the only really practical one where I am), does require an app, so I don't know if there's a good Web-based robotaxi option. Lyft looks to me like it requires use of an app. Uber looks like it permits Web-based ordering. I've never used anything but traditional cab companies (not that I especially object to the newer services, just never bothered to use them), and I've never run into one of those that requires an app

I just call up a human.

This isn't to say that the same situation is true of where you are. But just pointing out that for many people, there are options...though it may require using an alternative service. Those services will be aware of how many people are ordering in what way, so if people are using different methods of ordering, that will cause them (and others) to tend to provide that route.