You don't represent 99% of users.
I'm not offended at the idea that someone might want to bank from their phone, just, a lot of us don't have that need. Having my ability to run the software I want on my phone taken away, just to support corporations insisting that they be able to control my device for a function I don't need, however, is offensive.
btw. ~60% users in Czechia pay with phone already (though like 95% with bank card at same time), I am not one of them, but I won't deny the reality