I've had a lot of fun vibe coding my own text-based email client and reader using mostly Python's stdlib. It is my daily driver and found no problem with parsing so far. It also leads to a very efficient and simple HTML reader submodule.
Many banks restrict the number and capabilities of secondary users. In the end I had to get a power of attorney, but for me observing these changes is just a warning. I see a pervasive use of a phone as means of authentication and the compulsory nature of hardware-bound digital IDs is penetrating our society. That is a barrier for elderly people but also for other groups, specially when those requirements are not accompanied by standards (i.e. why does a French person need to get a new ID to work with Spanish bureaucracy) and also because the phone itself is an unsubsidized cost. Not to mention when one is travelling to countries with locked networks, losing the phone or, closer to the topic here,the lack of trust on generic phone platforms, which enforces a duopoly (Google Android + iOS) preventing new technologies to enter the market.
Maybe you don't live in any European country. 2FA with cell phone has become compulsory for most banking procedures in Spain, to the point that I can even no longer assist my parents without being present there with them. Even when there is a web app, this randomly forces the user to confirm identity via phone. Every day this extends to more and more official proceduress these days (e.g. loging to EU pages, regional government paperwork, access to hospital records and prescriptions...), and unfortunately it seems to me that the phone as official ID might be the future. In this scenario, projects like this one cannot be really useful without some standardization or layer that makes it acceptable by the government.