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Most banking apps work perfectly, most government apps work perfectly, etc. It is only an exceptionally small subset of apps using anticompetitive measures such as play integrity.

Also, do not leave your bootloader unlocked. That is an incomplete GOS install and you will need to lock it to secure your device. Not locking it is both insecure and will make a much higher number of apps fail.

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You can lock the bootloader again with GrapheneOS and many banking apps work.
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You won't pass Google Play hardware attestation that way, and you won't find a bank in Europe or the UK that doesn't require that to log on to their website within five years.
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You pass basic, but not device or strong integrity. This is purely googles fault and is an artificial limitation that requires regulatory restrictions.
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My bank works fine after relocking (in NL, Europe). And last time I checked all Dutch banks work. My VISA credit card app (from ICS) also works. Same for the government identification app, the government message app, our insurance app. In fact, I haven't encountered anything outside of Google Pay that didn't work.

(I don't deny that there are apps that won't work. Best to check before switching full-time.)

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> - the pandemic tracking app without which you can’t enter an airport

Not sure if airports specifically used another mechanism, but the Android contact tracing APIs were actually reimplemented in microG, allowing these apps to work even on custom roms.

Your other examples don't hold universally either (banking apps are compatible with un-rooted custom ROMs more often than not, and not sure how many sports event apps use integrity checks), but your general point stands that it may come with trade-offs.

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YMMV. I run sandboxed Google Play Services on GrapheneOS so almost every app works. My digital payments app works, and the same with most government apps I have tried. My private bank's app doesn't work, but I just use their website for the handful of times a year I need to access it.
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Does NFC work with those digital payment apps on Graphene?
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In India we use QR codes for payments. NFC in general does work (for example, I use a yubikey for 2FA).
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No banking app on phone because why; no government app because oh fuck why, whats wrong with your government (at least in primary phone and I never needed secondary); app for sport events - thats just me but I prefer doing sports rather than passively watch them, so 0 loss; pandemic what? its 2026 and I never saw such requirement in Europe, Africa nor Asia; no other app requires that.

Thats not coming from some paranoid security person, just regular (software dev) joe.

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