I never really did a lot of banking on my phone before, but it really wasn't that hard to let that go. I'd say the biggest hangup is not having Venmo or something for splitting bills with friends, yard-sales, etc, but I've started carrying some amount of cash again for those instances and it's worked out alright.
Been daily driving a dumbphone since 2023. Yes it takes a bit of work, but it's so SO worth it.
I don't think you NEED to open your online banking on your phone every day. Just use cash and cards.
2FA should be easily available on any OS
That's an overgeneralization. In many countries online payments require approval through a smartphone. There are also banks that barely have a mobile banking website (e.g. Bunq last time I had it).
I've not heard of a bank in the last while that doesn't have the restrictions, at least in Ireland and Italy.
I think the challenges here exist but the reality is overblown to be honest, the vast majority of banking apps (everything that isn't struck through in that list) work just fine.
Fully agree the concern is discouraging adoption though. I would love to see more of a solution here, it seems like purely anti-competitive behaviour by Android that will block competitors emerging.