Just 2ct's on the banking thing (sorry if it sounds rude, but I just can't hear it anymore):
Just forget banking apps of you don't want to stay on iOS or proper Google Android forever and ever and ever, even AOSP-based OSes struggle with that (a lot).
Go to a bank that still has a proper website and allows some kind of hardware device for TAN (and tell them that this is why you are leaving/joining) - we need to show market demand for alternative solutions or else these will disappear completely over time.
We also need to make regulators/politicians understand, that taking part in life must be possible without owning a device blessed by Google or Apple. We really need laws here.