Why do people complain about user-friendliness? We have smooth user interfaces. Electrum for desktop and Bluewallet for mobile are the way to go for a complete beginner.
I wonder if you ever use a bank app before
Exactly! With Revolut and Paypal as exceptions, I have never found one banking app that is user friendly. Every bank builds their app on different design and standards, so when you migrate to another bank, it's always difficult to get used to it.