My UK based bank ringfences some processes behind the app, and some behind the website. Setting up an automatic direct debit? Browser. Want to approve a one off payment? App. Absolute nonsense.
If you're a cop, ICE agent, your neighbour is black, you're a US diplomat's wife (one of which murdered a young man here in the UK and ran away with no consequence, and the American state refused to send her murdering arse back), or you have enough money, by the looks of it you could do that without consequence.
Are we classing A-roads as "highways" now? If not, I have no idea what you mean when you say you're never far from a highway in London. There are no motorways through London.