As a consumer, the tech war made me realize how the availability of my daily digital infrastructure relies on the whims of largely unaccountable corporations and governments.

I know what you mean about bank apps working only on unrooted Android devices and only with Google Play Services. It's an OS- and device specific restriction, because the desktop website does not have these limitations (besides 2FA, which is understandable).

The solution for me was to wait until I have my laptop on me to do banking. But I understand that not everyone will have this ability due to the nature of their business or workflow.