Your bank (like most European ones) requires you to pass attestation to use their services. If you don't accept Google/Apple's terms, you can't access it without extreme difficulty.

I can always access my bank via a web browser or even in person at the teller at a branch somewhere, or as a last resort via snail mail from attorney, but most importantly even if I get locked out somehow by google, the account still runs and I won't be homeless as my salary and rent auto-payments keep going regardless if you can access it or not.

How is this comparable to your government debanking you meaning that no bank, landlord, layer or job will touch you?