I bought a cheap burner phone for the banking and government apps. It's connected to a Google account with fake details and stays in a drawer by my desk.

This 100%. If it comes that that in the U.S. and there is no other practical alternative, I will buy the cheapest Android phone I can find to run those locked down apps on it when needed, and leave it powered off the rest of the time. All my personal business will continue to be done on my Graphene device, that's non-negotiable.