Some day it will make it's way to banking apps/sites being unusable on OSes other than approved "secure" ones.
That day was years ago. Many banking apps refuse to start if you even just have your bootloader unlocked, and some banking websites only support Chrome, some really crappy ones even only Chrome or Edge on Windows specifically.
That's not right. Most monitors use 8 bits per color / 24 bits per pixel, though some are still using 6 bpc / 18bpp.
HDR doesn't mean or really require more than 8bpc, it's more complicated than that. To skip all the complicated details, it means more brightness, more contrast and better colors, and it makes a big difference for OLED displays especially.