Use some banking apps. In fact I cannot use one banking app I otherwise would because it will only work if you have no non-store apps installed at all.
A regulatory requirement to prove my ID without using the mobile app would be a 20 min+ each way drive (plus walking, time doing it etc.) to another town.
> The EU and ASEAN are the best bets for regulation.
Did you read the recent HN stories about the EU's age verification app that will only work on attested phones? Lots of other governments (EU and non-EU) doping similar things.
> We need the government to pave the way for dozens of Apple/Google competitors. Or to horizontally split these two companies into dozens of "Baby Bells" that are forced to fight one another.
I have very little confidence that is likely. Politically governments are far more pro-big business and anti-competition than they have been in a long time.
> Being weird in the 0.0001% will not last, nor does it help anyone else escape this monopolistic tyranny.
Every single person who does not go along, is a a political and commercial argument not to remove alternatives. If I use a website and an app to bank or buy something, it pushes up the stats for the web app vs the mobile app.