Need to access applications from multiple country app stores

I am a EU citizen, I have homes in both my country of origin and my country of residence and I need apps from both apps storese.

My daughter is a student. She has her phone and Apple account registered in Ireland but is now doing a student exchange in France and later in the year she's planning to do a work placement in Austria or Germany.

She now has a separate French phone number but she cannot acccess her banking application in France because it's on a different app store than her apple ID. On the other hand she can't change her Apple ID because she still needs access to her bank account in Ireland. Later on she'll have similar issues trying to install apps from Germany or Austria.

The reply that Apple gave to a similar question namely: "You can't do it at the same time. Things just aren't set up for the tiny number of people in your situation. " is ridiculous and ignoring the realities of the European union and the global economy.

I'm sure there is more than a tiny number of people in our situation, and I really wish Apple would revise this very US centric view of the world.