If I can't use banking or my NFC wallets on my phone, it has become 90% useless. The other 10% of usefulness is texting and calls, which every other phone can do.
Unfortunately, this mostly means using the closed android ecosystem.
90% of your usage on your phone is banking apps or NFC payments? That seems hard to believe.
No idea why you are even bringing this up. It works just fine right now.
>this mostly means using the closed android ecosystem
Maybe, but there's no technical reason for this. As I've mentioned before, I can do banking just fine on my Gentoo machine where the entire corpus of software on it, is FOSS and compiled by myself.
I run Graphene on my Pixel and banking apps just work. There is no Google Pay, obviously, since Google dependencies have been stripped out from the system. I just carry a credit card.