Fuck Google for doing this, and Play Integrity making me unable to use banks is even worse.
FWIW you can buy a Pixel (new or 2nd hand) and install GrapheneOS via the Web https://grapheneos.org/install/web with nothing (genuinely nothing) installed on your computer and get it working in ~15min (depending on your connection to download the ROM) out of which maybe ~2min will be your interacting with the setup process.
I initially bought an /e/OS precisely with your requirement, namely I "just" want a phone that works when I receive it, no tinkering, but having installed GrapheneOS myself few days (or weeks?) ago I can tell you, it's really straightforward.
Not 100% accurate. You need a browser that supports WebUSB[0] which are just Chromium based ones, not Safari or Firefox.
[0]https://developer.mozilla.org/en-US/docs/Web/API/WebUSB_API
Also GrapheneOS has in my experience decent banking app support outside of a handful of apps (including, ironically, my main bank which disabled GrapheneOS support a week or two ago). There is a maintained list of working apps that you can see for yourself: https://privsec.dev/posts/android/banking-applications-compa...
GrapheneOS has full support for Play Integrity[0].
[0]: https://grapheneos.org/articles/attestation-compatibility-gu...
Etc
https://privsec.dev/posts/android/banking-applications-compa...
The only thing I have really found missing is Google Pay support for contactless payment (because Google doesn't want to allow GrapheneOS, but there are alternatives like Curve).
