My UK bank (Barclays) won’t let me install their app on my US iPhone (i.e. my phone that uses a US based iCloud account). Tesco won’t let me use their loyalty app. I can’t install an app that’ll let me order Starbucks or McDonalds in the UK (I only have access to the US versions of these apps). I can’t watch Star Trek because the US paramount plus app detects I’m in the UK and I can’t install the UK version.
I could switch to a UK iCloud account but then when I’m in the states everything falls apart the other way round.