Everyone knows all the apps on your phone

I still, will never understand the need for native "Apps". To this day, I have never seen an "App" that couldn't simply have been a website/webapp. Most of them would likely be improved by being a webapp.

The only benefits I can see of "Apps", are the developer get's access to private information they really don't need.

Yeah, they get to be on the "App Store". But the "App Store" is a totally unnecessary concept introduced by Apple/Google so they could scrape a huge percentage in sales.

Web browsers have good (not perfect) sandboxing, costs no fees to "submit" and are accessible to everyone on every phone.

There are also an increasing number of services which are ONLY available as apps now, including, but not limited to, many financial apps such as Revolut.

A big issue with this trend is that unlike the web, the whole Android ecosystem is a walled garden which is strictly controlled by Google. In principle you can run your own custom Android ROM, but in practice this will lock you out from any app which uses Play Integrity API to enforce Google's totalitarian regime which dictates what software YOU are allowed to run on "your" hardware.

The worst one is the UK's NHS app, which is only available as an app, despite being just a webview wrapper! I have no idea what they were thinking.

What happens when you visit whatever URL is being wrapped?