FWIW I've got grapheneOS without google play services on a financial profile, and all of my financial apps work including: -Two credit card apps -Bank app -Three investing apps -Two direct transfer apps

One of the credit cards apps (amex) does give a "warning" on each page that it needs play services to function but if I click Ok it actually still just works.

Worth trying first. In my experience, almost every app works without the Google store. You can also block the internet access for any Google service or app via its settings.

The best middle ground is probably GrapheneOS with sandboxed Google Play Services. At that point, most things "just work" and you can at least mitigate Google's spyware.

In USA I've found it's pretty easy to live without banking on your phone, although you can't say the same for some other countries. Granted I have a job where I am working with my own desktop computers most of the day, so I can pay bills and transfer funds on them during those times - and lots of people might not have the same luxury. But I've yet to feel a need for any of them while out and about beyond a few occasions of Venmo'ing funds on the go - and at least Venmo still allows you to use their site via browser.

Fortunately those apps are not required (and dangerous to use anyway)

Been using pixel phones for that reason, since... Pixel XL, and six pixel phones since then. Used several different AOSP based OS-es, most recently CalyxOS on Pixel 4a, and then GrapheneOS on Pixel 6a and now the 8 Pro.

Everything works, and you can choose how much of Google you invite back in. The best part is that the Google stuff doesn't get any special treatment. Which means that the Pixel Camera app and Google Photos isn't allowed access to Internet, because why should it?

The only thing that is still fundamentally flawed, are remote push notifications. And I don't mean that it's flawed for GeapheneOS, they work fine. It's flawed in the sense that information goes through Google or Apple. The privacy concerns there are significant. It's not end-to-end encrypted. You cannot avoid the problem either by disabling them on your phone. Each application, be that a Ring Camera, or backend messaging system, etc, that sends the stuff to Google through notification apis, will do so regardless of how much you sandbox or disable those services on the phone-receiving end. Conveniently, there is no effort by Apple or Google to make this core functionality any less tied to Apple or Google. The "asynchronous" nature makes it a problem that needs to be solved for each and every backend service system, for remote notifications. Some privacy conscious apps/services might let you limit what is sent to Google so you only get "New message from Hubbie" instead of also "Hubbie: remember to buy the paint for the baby-room! I'm so excited".

Anyways... Not sure why I went on such a long tangent. I was done pooping a while ago.

CalyxOS on a Pixel is as great as it currently gets. But stuff can get better.

Yeah, ironically that's why the best devices for this are Google's.

I work as a mobile dev. particularly in ad-tech and security. at my comp, marketers spend 10x more on ads to iOS than Androids in the US. meaning, more advertisers come to us and tell us we want us to target more iOS users with the budget.

and most do consider apple the benevolent do-good company and many do make the claim. Apple uses privacy as marketing and the result is many people blindly trust them and their devices or at least assume the competition is flagrantly out to get them. you seem to have your pulse on things but that's not true for most iPhones users, even those who say they care about privacy.

you also can't say it's my feelings and then say it's probably statistically true at the same time lol it's is true and most people on ios still use Google front and center on their mobile experience.

while you're not sure if that's true, I AM sure it's true. privacy means your data stays with you. period. the best option is not giving people your data to begin with.