[jonbeebe]

Why don’t these rules apply to banking apps then?

I wouldn’t consider them business-only as most individuals interacting with the App Store have bank accounts, so that argument breaks down.

I wouldn’t consider them stictly “reader” apps as you can perform many non-passive things in many banking apps (make deposits, iniatiate transfers to and from accounts, pay bills, etc), so that argument doesn’t stick either.

You can’t use the app unless you have a (most of the time) paid account.

[xiphias2]

You need to go though KYC and other custom checks to get a bank account and it's a heavily regulated process.