If I can't use banking or my NFC wallets on my phone, it has become 90% useless. The other 10% of usefulness is texting and calls, which every other phone can do.
Unfortunately, this mostly means using the closed android ecosystem.
That's pretty much my usage pattern too, including some group texting, the occasional call and sometimes taking photos/videos. Otherwise my phone pretty much stays in my pocket or on my table the entire day. What are you using your phone for that makes that so unbelievable?
I do use whatsapp, camera and the phone functionality, web browsing very seldom, mostly for "emergencies". Spotify, work chat, mail, calendar and watching entertainment is all stuff I either do at my desktop or on the TV, never use the phone for those things.
Web browsing (like right now), photos, e-books, lots of messaging, music, sometimes video.
I use NFC payments often, but I wouldn't say that amounts to more than a few percent of my total usage.
Everyone uses their phones differently, of course. I don't think your use is unbelievable or odd, but I do think your use patterns are not the common case.
I run Graphene on my Pixel and banking apps just work. There is no Google Pay, obviously, since Google dependencies have been stripped out from the system. I just carry a credit card.
No inherent reason all that stuff can't work on an open platform. It works just fine on my Linux box with yubikeys, fido2, and smart cards. Gcloud even let's you authenticate with them only to put a medium lived token in plaintext into a sqlite file on disk.
>this mostly means using the closed android ecosystem
Maybe, but there's no technical reason for this. As I've mentioned before, I can do banking just fine on my Gentoo machine where the entire corpus of software on it, is FOSS and compiled by myself.
The ability to install signed and unsigned APKs directly correlates to the financial institution policy regarding mobile devices and banking apps. Unsure how you've separated these two.
I run GrapheneOS and use several US-based banking apps. I'll not name them since I don't really want my HN account associated with my financials in any way, but I've got a mix of well-known national bank apps and smaller local credit union apps working.
I'll admit there is a single institution's app I've found that doesn't work, but that is just one of several that I use.
For me, the showstopper would be NFC payments. From what I understand, Google Pay doesn't work on Graphene. I have all my credit cards in GPay, as well as a transit card. I use it for boarding passes when I fly, and any other tickets/passes that support it, since it tends to be much more reliable than the airline or ticketer's app. I've come to heavily rely on it, unfortunately.
I haven't tried this, because I try to minimize Google exposure, but I think Google Wallet (minus NFC payments) works on GrapheneOS. So, tickets, boarding passes, etc. should work fine.
This is a common answer but it does not apply to at least most of Europe. Because of regulations most banks require to install their app either on iOS or Android to act as a 2FA device. One of my banks gave me a hardware device 20 years ago. When its battery dies I'll have to use their app and my fingerprint.
If you really don't have an alternative in Europe, buy the cheapest Googled Android device (less than $100 or euros), and use that as a glorified 2FA device. It's not ideal because you have to pay for it, but on the other hand Android devices with unlockable bootloaders (mostly Google Pixels now) tend to be cheaper than iThings. A Pixel 9a or 10a running Graphene for everyday use plus a cheap Android phone that stays are home are still considerably cheaper than Apple and Samsung devices, and give the users far more privacy and freedom.
When I was still rooting it was possible to bypass this on a rooted device with enough effort. It wasn't unsecure either. Padentic corporate security doesn't really make us more secure. Just more lazy.
Yes, that's the endgame, an Android device in a drawer at home. But what do I have to carry on my pocket to use the minimum amount of apps? Firefox, WhatsApp with video and audio calls, Telegram no video no audio, a mail client, a YouTube client (possibly not from YouTube), a maps and navigation app (for cars), phone calls, SMS.
How do you install the bank app if google does not allow you to install APKs manually / with a 3rd party store? You have to go with Google Play. Which requires a Google account. So I can't do it. That's the whole point of this thread: it would not be possible to use Android without a Google account.