Both those ecosystems are rapidly enshittifying (apple cannot even reliably process keystrokes with subsecond latency, and google is banning sideloading).
We need a third, actually user-serving and open alternative. Maybe the new CEO will slow or reverse the bleeding on the iOS / MacOS side.
The hardware is nominally open only because they enforce participation in their software ecosystem via other means.
Partially accurate / misleading at most.
If your “partially accurate” objection is that I didn't describe a perfectly universal experience, I will be greatly disappointed.
Are we talking about root checks? Bootloader unlock?
your bank’s app sucks, tell them they suck,
and or use the webapp.
Tens of thousands of financial institution apps work A-OK on GrapheneOS,
that is my objection.