Banking on smart phones is safer than banking on Windows, and far safer than banking on Linux. -That's probably never going to change, and because of 'privacy concerns', it will be as bad on the phone or worse than desktop Linux.
Open apps like Open Street Map absolutely suck. I've tried helping them out, but they made it so complicated to contribute to naming locations.
There are some FOSS apps for phone I'm fond of, but I wouldn't consider using a slap-stick repo like F-Droid especially for such volatile software that gets abandoned and forked regularly.
With all that said, there are some people claiming daily driving lately and it seems like they fixed issues of the past, but some issues aren't likely to get fixed. -Ever. (due to fundamental issues with copy left GPL and the cult around it)
If only the clamoring happened around BSD instead.