Haha thats terrifying! I was just trying to point out that assuming that apps do this correctly is a bad idea; but my experience echoes yours, its a common mistake - even just browsing stack overflow people give some pretty gnarly advice.
Unless I’ve looked at the app myself i wouldnt touch public wifi - even then there are other risks to consider
A vpn (that you trust) would certainly help a little, but in the above case the connection can still be mitmed from the vpn server to the application backend
Edit: I would for my personal devices, unless I knew the app did something horrendous in advance- but I guess the core problem is you really have no way of knowing unless you check the app yourself or there is a known and reported vulnerability.
Unless I’ve looked at the app myself i wouldnt touch public wifi - even then there are other risks to consider