The reliance on a phone seems terrible, I would never install a banking application unless sufficiently threatened. I prefer our (Czech) more-or-less direct bank transfers, for which I don't need to leave my web browser.
It should also be noted that in general, Xlib can do a lot more than XCB with a /lot/ less effort and bugs, and has an actual documentation, tutorials, books.
Xlib certainly is quirky, in particular around error handling, though.
People just expect things to be integrated. Even Wi-Fi is, although it's probably typically an M.2 card. I have a <2000 computer that had both integrated audio and video, and it's kind-of become a norm.
Integrated sound cards are way more susceptive to interference, though, and the quality suffers a bit. They're merely good enough.
Also, people generally seem to use USB sound cards, as it removes even more room for interference (though my ASUS Xonar Essence STX sounds great already, unlike the integrated solution that transfers power rail and other noise).
I think the most free-minded large models might be the Groks, but just slightly, as they have different biases. In sum, there's strength in diversity.