Owning a bank is an extreme regulatory headache. You always want someone else to be the bank. Or even better multiple someone elses - in the US, small banks are allowed to do things large ones aren't, so you sometimes gather up a bunch of them and become a single proxy for them.
They probably won’t do that in the current antitrust climate. I hope the DOJ and the EU continue probing the big companies because I’m sick and tired of my non-ecosystem device choices not working well together.