I don't agree. I think it's much more a matter of perception than anything else. I've seen at least a couple of 'studies' where they looked at people's actual habits. On the two main platforms, Android and iOS, most of the downloaded apps were either uninstalled within a week or used no more than a handful of times. The number of most frequently used apps was like 7 or so, that were used on a daily basis. And then one can maybe double that number when averaged out over a week or two.
In other words, it's a problem to not get what one thinks one needs but really only wants despite actually getting if not everything almost everything of what one needs.
So, there's that perception and add to that poor marketing, and those are the main problems as far as I see it.
PS: I haven't been on this forum that long, but even my first month I was shocked at how some people that were as close to trolls as one can be without moderators getting rid of them kept saying that there weren't banking apps, even though they existed, and there weren't other types of apps, same deal, after people pointed out to them that the apps existed. The functionality existed. It didn't matter. The only thing that matters is the story, and the story is "the app gap", so then everything else fades into obscurity, including context, perspective and facts.