the part you are missing is that this is the situation for now. Emphasis on for now. Google are already moving to restrict what software your phone can run i.e. they control your device.

Please, don't be so obtuse just for the sake of argument. Any rational, well-informed person can wee where this is going.

I think the upthread argument is the weak one in that regard. "See how terrible it is that banks offer a new method to get more convenient service for people who have an Apple or Google device? Because I choose not to, I had to use a perfectly viable method that people relied upon for decades and that still worked just fine."

That's an example of how the banks are continuing to accommodate customer preference, not the other way around. As to "where this is going", ATMs and debit cards are nearly pervasive and, yet almost 60 years after their introduction, I can still choose to bank with a teller if I insist on not having a debit card.