You'll probably just need to keep two phones. One hostile spying device that you use for authenticating and dealing with government stuff, and that becomes e-waste every 2 years. Then you have one that you can repair and extend for your own stuff that respects you and your privacy.

I am doing this now. I have had a carrier locked iPhone SE 2020 which I only use on Wi-Fi for over five years now. I also have an android phone and I don't install any banking apps on my android phone.