In your earlier comment you said that deGoogled Android alternatives are what's "slowing us down from leaving Android entirely", but that is not consistent with saying that most banks and government apps require play services.

If these apps cannot run on deGoogled Android, then deGoogled Android cannot be slowing us down from leaving Android because using deGoogled alternatives is as inconvenient for banking and government services as using a non-Android alternative would be.

It's not entirely a contradiction. De-Googled Android alternatives can give a perception of choice and also a perception to Banks that they support "everyone" at the same time. "We have both flavors, Vanilla (iOS) and Chocolate [Android]; you claim to want Chocolate (Android), what more do you want?"

Absolutely the current duopoly market is going to make any third-party alternative harder, but de-Googled Android seems to be a worst case because "Why not just install Google Play Services?" remains too valid a question and has too many confusing answers for both non-technical users and the business people at application providers (banks and whatnot). They will continue to have a hard time trying to figure out why you keep asking for a harder work effort for Chocolate Fudge when they already have Chocolate and why isn't that good enough.

It's easier to fix that confusion by asking for an entirely new brand/flavor, such as Strawberry, than continuing this increasingly hard war between Google's Chocolate and "free" (as in speech, but certainly not free of confusion) Chocolate Fudge.

There are tweaks to enable banking apps on deGoogled Android, but it's an exhausting cat and mouse game. Most of my friends gave up after years of fighting, and now they are back on Google Android because there is no alternative.