There are a huge number of phone apps which are not on the desktop and you have to use them on your phone. Tons of banking apps, e.g. Cash App, Venmo etc, are not supported on the Web. Other apps, like TikTok have Web versions which are so broken to the point where they are unusable.

I have to keep a Chromebook to be able to run Android apps on the desktop, unless anyone has another solution?