> Spotify is a big ask because google would have to port widevine (the web DRM.)
Spotify shouldn't be a problem [0][1] using librespot [2]. As for banking, I can't speak for all of Europe, but web apps are generally optimized for desktop use, apps have some convinient features, like scanning the QR code of a bill and pay it with one tap, instead of having to type in everything manually when it's on paper, or copy paste it from a PDF.
Additionally some banks require an app for 2FA for the web interface on PC too.
Spotify shouldn't be a problem [0][1] using librespot [2]. As for banking, I can't speak for all of Europe, but web apps are generally optimized for desktop use, apps have some convinient features, like scanning the QR code of a bill and pay it with one tap, instead of having to type in everything manually when it's on paper, or copy paste it from a PDF.
Additionally some banks require an app for 2FA for the web interface on PC too.
[0] https://github.com/kraxarn/spotify-qt [1] https://github.com/xou816/spot [2] https://github.com/librespot-org/librespot