Android
DROID DOES
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My google android device runs GrapheneOS, with which you can use sandboxed google play services. Yes, the google play services API will likely block nonconforming apps from functioning if they use play services, but apps don't have to use play services, and you'll still be able to install anything you want. As far as I'm concerned, any app that stops working when google pulls the plug in September will be replaced with a FOSS alternative.
Banking apps won't have FOSS alternatives.
You will still likely be forced into using play services apps, even on Graphene, unless you have a contingency not to use some apps at all. But for things like banking, that realistically may not be an option (unless you don't bank).
Edit: not sure why the downvotes. Some banking apps won't even run on rooted devices, and there are banks who are forcing customers to use their app instead of the mobile site. It's just a matter of time for the desktop sites in those cases.
Hell, I even know people who are required to use an app to pay their rent.
Just because it hasn't happened to you (yet) doesn't mean that it doesn't happen.
What's wrong with banks' mobile sites?
Uploading paper check deposits requires the app