The vast vast majority of apps (99%+) are compatible and those that are broken is due to bugs in the apps which GOS catches, but these exploit protections can be disabled, and apps that use the monopolistic play integrity api.
The only apps that are permanently broken are those using the strongest play integrity api which is security theatre.
Here's a community created list of banking applications and their current status on GOS.
https://privsec.dev/posts/android/banking-applications-compa...
Again, this isn't about me. I'm fine giving up some convenience, but I know other people aren't. The average person is just going to simply install the app. Part of me asking this questions is gauging average user experience.