DirtyDan ahhhh i get what your saying. Sorry about my rambling, i read a bunch of your posts late last night and downloaded ente auth and im blown away, it makes me want to redo my pixel9a Gos to not using google framework or carrier services anymore.
Ahh i see what your saying regarding the apps that do not have a website for their service and only have applications.
Sadly, it is by design, these newer companies now the ratio of people who use smart phones vs pcs/macs/desktops, etc.
They switched their business models to getting people into subscriptions instead of one time fees. How do i know this, because i used to run a bunch of websites selling wall decals/ car decals, stencils, printing etc. The problem was, it was booming until amazon came around and humans are impatient so they cant handle waiting 4 days for a product. So slowly but surely all websites and companies unless they have tons of local business will be obsolete in the near future.
I am by no means a tech genius, but i do understand the trends of economics and business sales online and brick and mortar. Security concerns well it depends on your threat model. If you want to never worry about financial security issues ever again and have the convenience of not worrying about losing a credit card, losing your phone, or any digital device that has all of your personal info in it.
Whatever bank or credit union you use, call them and tell them you want to make a special phrase password. This will make it so that no one can call and impersonate you. Turn on all alerts to your email and text if any money is moved in your bank accounts, whether it be you buying something with your debit card, pulling cash out, or using your credit card.
The last thing would be to contact the 3 big credit rating bueraus and having them freeze your accounts and name with special passwords. So that way, nothing can be opened in your name, unless its you. Then when you want to say buy a house, apply for a personal loan, etc. You call undo the hold, apply. Then re put them back on.
Hindsight is 20/20, years back i was ignorant and grew up in the flip phone high school era. Long story short, if your card is taken and you dont report it back then, you are responsible for the charges. Sorry for the novel.
Oh and the pre smartphone era if you really wanna know how i figured this rabbit hole out, look at this website it will teach you all of it.
https://www.anarsec.guide/posts/grapheneos/