Google has so far allowed installing apps without their explicit permission. So it's much higher on freedom index, imo. And there's no obligation to use Google cloud apps. There's alternative for every Google cloud app.
That’s good to know. Is there a list? Maybe a vocal community of computer literate people with money could loudly move to banks that do work (regardless of which phone they have).
That's like saying there's no freedom in USA because I didn't get a visa to visit. We are talking about the freedom of Google devices. And you are talking about banks not letting you install their apps on a non Google OS. Totally different things.