Android is going to bifurcate between "phones that run proprietary apps from the play store" and "phones that run software from anywhere else." And while maybe you can get by without banking apps, your life is going to get increasingly harder when you want to do many other things.

Ride hail app? Transit fare app? Government ID app? Airline app? Maybe you don't need them yet, but the best way to model this future is to consider what you'd do if you didn't have a phone at all, and the amount of friction this will generate as the expectations are only entrenched and expanded.

I'm glad people are saying no. It's good to do it as long as we can. But the final outcome seems inevitable now and to me it feels very close.

We aren't given the choice, in many cases. For example I remember a poster here who was forced to have an Android or Apple phone because his kids' school required an app to pick up the kids after school. So his options were to get a big tech phone, or get in trouble for not picking up his kids. "Get the school to come to their senses" was, unfortunately, not an option available to him.