Not OP but an interesting discussion to me as I also do not sign into much on my phone. To your specific points, and with the context that I have a working laptop and am home at some point every day:
Online banking - Discover has functional FaceID but every other bank/card app would reset my login on a regular basis and without MFA I don't trust short passwords. So the passwords are a pain to type and I only login to pay off cards once a month... I do it from my computer
Online shopping - Mobile UIs for this space suck, I'm never in a rush to buy anything, and I prefer uBlock Origin being active, so I use my computer.
Social media - Again prefer to have various add ons and a desktop experience, really just don't need this in my life more than a laptop at home allows.
Airlines, hotels, or other Tavel bookings - in my experience I've been able to get tickets into my digital wallet from emails and otherwise these apps are whatever. I traveled for 2 years and had various apps I barely used on my work phone, never bothered with personal phone.
Online news sources requiring accounts Eg hacker news, NYT, etc - just don't need in my pocket. I'll quick scroll certain places if it's been a while or I'm exceptionally bored but there's no need to be signed in.
Medical / pharmacy - I have my card in my wallet and calling for robot help is sufficient outside of that. Something in this space and others is if the call robot can't help then generally neither can the app/website and the best bet is a human which generally requires putting in the time with the robot first anyway.
Online banking - Discover has functional FaceID but every other bank/card app would reset my login on a regular basis and without MFA I don't trust short passwords. So the passwords are a pain to type and I only login to pay off cards once a month... I do it from my computer
Online shopping - Mobile UIs for this space suck, I'm never in a rush to buy anything, and I prefer uBlock Origin being active, so I use my computer.
Social media - Again prefer to have various add ons and a desktop experience, really just don't need this in my life more than a laptop at home allows.
Airlines, hotels, or other Tavel bookings - in my experience I've been able to get tickets into my digital wallet from emails and otherwise these apps are whatever. I traveled for 2 years and had various apps I barely used on my work phone, never bothered with personal phone.
Online news sources requiring accounts Eg hacker news, NYT, etc - just don't need in my pocket. I'll quick scroll certain places if it's been a while or I'm exceptionally bored but there's no need to be signed in.
Medical / pharmacy - I have my card in my wallet and calling for robot help is sufficient outside of that. Something in this space and others is if the call robot can't help then generally neither can the app/website and the best bet is a human which generally requires putting in the time with the robot first anyway.