The problems may be inflicted by these apps but the reality is that in many cases you're stuck with them. Electric company freezes your account if you enable USB debugging? Well, you can't choose a new electric company. We can complain to these vendors all we want but they just ignore us.
So these problems become problems of the OS, not because the OS has a problem, but because it affects the reality of using the OS.
It obviously depends on where you live. In my country you certainly con choose a new electric company. I mention that because we really should use consumer choice to overcome these types of problems where we can. Ie if you can switch to a bank/electricity provider/whatever that has a less terrible app it’s really good to do so.
Is it such a burden to write them a letter stating, "Because you have decided to disable my electronic access, I am notifying you that I withdraw my consent to e-delivery. Please provide me statements and directions to mail you a check for payment." Maybe spend 20-30 min to find the specific laws that give you the right to do that and remind them of their timelines to comply.
Send a letter like that certified. It gets attention, and the time to write and mail a check really isn't, if you batch your bills, more than using an app.
We do have ways to push their inconvenience back on them.