It's sadly becoming harder. I've been playing that game for quite long and hope to stick to web apps, but still.

Some banks limit functionality on web apps, which is annoying.

More importantly, many refuse to provide a decent 2FA other than push notifications inside the app or SMS, which is insecure and EU has mandated its phaseout.

The thing that works for me is to pretend to be clueless and get an old hardware OTP generator, but those are susceptible to impersonation attacks on the bank side.

Yes I can, but then I wont be able to use some of very convinient fintech services.

I also need to maintain my own nextcloud, photo sync infrastructure and backups.

Its inconvinient. This is exactly what I talking about.