My understanding is that Android emulators primarily exist for mobile development and app testing and such-like, and maybe secondarily, to play mobile games.

I want to explore the possibility of using them as a, basically, full-time replacement for installing apps on my phone. More and more apps and services have no "desktop/laptop" version, and no website version. Installing the app on your phone is starting to become a non-negotiable requirement ... one that I'd like to find a work-around to.

So, yeah ... I guess that's the question. Is this a 'thing'? Has anyone experimented with--or flat-out used--an emulator on a desktop/laptop to run their banking app and the like? Is this even possible? Can you connect an emulator to an app-store and just start downloading/installing stuff?

Thanks.