Many big institutions lean heavily on mobile apps and other gated computing.
I live in BC Canada and by far the easiest way to authenticate a login to provincial sources involves using the BC ID App as a second factor, even when logging in via desktop. Many banks now also use their app as a second factor, rather than a generic OTP option that can run on any hardware.
There were also issues like running Netflix DRM in browser on Linux for a while.
General purpose computers won’t go away, but they will continue to be gated from more and more services until you are more or less required to have a phone or locked down ecosystem device.
