Re: Well even though my bank has an app
As you say, pay bills, transfer funds, setup/cancel direct debits, check balances, make sure no one is taking up to $3000 a day from your account, ensure that the gas station, coffe shop and such like doesn't double bill you, make sure a payment has been made or not (and you can demonstrate this to the auto insurance rep on the phone without revealing any other information) and so on.
Do it all from a dedicated very secure app without having to worry or think too much about it.
But I'm well I'm to my fifties now, so the use of technology to make one's life much easier is a bit baffling.