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Will they all just end up being everything apps that want your attention and data?
As long as that's the obvious path to monetization, you can count on it. That said, at this stage it feels like its shuffling the deck chairs on the Titantic... at some point the cost of data and attention has to be value. This can't go on forever.
That is what gives Strategy a leg up in the future imo, they have a fixed percentage of the new financial system... so they won't need a gimmick Credit Card that has lesser rewards than Discover has had for ~20 years to attract high-churn (l)users.