> if you instead get debanked by Google for violating their "terms"
Since when is google a bank?
>The only solution is untraceable, permissionless money, like Monero. Why do you think governments try so hard to ban it?
Because untraceable currency is mostly used by criminals for crime.
My bank's app uses Google Pay to pay at POS terminals, so Google can at least block that.
Your bank (like most European ones) requires you to pass attestation to use their services. If you don't accept Google/Apple's terms, you can't access it without extreme difficulty.