Comment by oneplane

This is about the bank. You get a service from the bank. The bank has to make a trade-off which services they want to provide under which conditions.

Somewhere, 100 steps later, you might get to a "which OS on which hardware" aspect, but that's so far removed from normal life for the meaningful customer base that unless you want to stretch the scope of the post two orders of magnitude bigger than it is, it's not even close.

The bank makes a tradeoff, usually based on money: if they lose 5 customers because they can't use a specific app on a specific OS on a specific piece of hardware, they aren't going to care.

You can apply that to most businesses, especially the profitable ones. You shouldn't be surprised by that.