On the flip side of the coin, some places are locked to web apps because Google & Apple won't allow them to exist. e.g. OnlyFans and Playboy can't get in the app stores, but OnlyFans still manages to make several billion dollars a year, most of which is almost certainly mobile.
There’s no financial, political, or mass market incentive for browser APIs to have feature parity with mobile OS APIs. Approximately nobody wants to do what you’re asking for. If anything, there are incentives against doing this.
* Netflix does not load in a mobile browser, it directs you to download their app.
* web.telegram.org sends a 2FA push notification to their app
* Apple wallet/ Android wallet do not have web apps
* Popular dating apps, e.g. Hinge do not have web apps
* Some social network apps, e.g. BeReal do not have web apps. Many others have reduced features.
* I have never seen a keyless entry app that supports the web, at least not from a mainstream manufacturer.
Can you name a single browser app that can do NFC payments in the US?