That's more of a developer problem than an Apple one. Most of the apps on my phone work in any country around the world. I've used Uber in many countries, Spotify, Netflix... If your bank wants to restrictively localize their app distribution, how is that Apple's fault?
It is reasonable for a company not do want to deal with people outside their country including payment systems they don't support and laws they don't understand, taxes they have no experience with etc...
It is not reasonable for Apple to make using the phone in more than one country so hard. That is something Apple has the easy power to fix.
