I don’t use the phone that often as a debit /credit bank card but I use it for payments (bills invoices etc.), paying on line, transferring money to people and accounts, and just managing accounts. The phone app is very useful for those functions - especially if the alternative is going into a bank and queuing.
A phone OS that will not work with banking apps is not really a contemporary solution. iOS or Android are the only reliable options at the moment in the US/Europe - Iiuc Open Source Android has to sandbox Google Play for banking apps to work so that’s not viable long-term solution, as Google will only make that more difficult in the future.
Given the issues with the judges at ICC and US payment systems, building an alternative to Google and Apple is a high priority
I put Linux Mint on a laptop last year that was running Windows 10 (dual boot) as MS said they were no longer supporting or providing security updates for Windows 10. Mint has worked well (although it does seem to want updates every day). I opened up Windows last week and MS said that they would actually continue to provide security updates for Windows 10 if I logged on with a MS account - so I guess they are actually noticing the migration away from their OS.