And for some transactions that makes sense. But for something that is supposed to serve everyone, and where there is a (natural) monopoly, that cannot be and acceptable answer.

Also, having your entire economy depend on companies that are not under your control, and that are even actively being weaponised, that seems like a stupid thing to do.

Also, nothing in all of that precluded a web app.

It'll take a couple of years but people will figure it out eventually.