On Android distros

I don't use stuff that ties an online account to one specific device (that qualifies as what I tell my kids to be a "large" computer - phone/tablet/tv...). I always want to be able to switch devices easily.

I don't have a google account. When I'm asked to use the banking apps I ask "why would I create an account with google or apple company now? that doesn't feel right for wanting to use online banking." nobody in a bank has a good answer for that and I now use a "cardtan" device ("small computer", i.e. non-connected uC-based).

Similar story for the "legal services" app in my country where I use a fido2 key instead of an app.

While the app-solutions are what people are primarily shown and using, I guess there's good reasons for why this is not the only technical solution for critical services. I hope there's even a law that requires that, not sure.