The state for me personally is that my joint bank account with my wife uses a play integrity protected banking app (changing your own a accounts to a better bank is one thing). Also beyond banks things now require proprietary 'secure' TAN apps like my insurance broker. The issue is that for me every a new problem like this popped up and to find solutions take time over and over. Even thing that work now may stop working the next minute because there is no real effort of fintech and its management to keep compatible with niche devices. It is mostly either coincidence or the effort of tech savvy individuals at those companies.
We only can hope that a large group of people including regulators get sanctioned or mandated not to use any US tech even privately so they see little offer is left even inside Europe that is truly sovereign. I gave up for now (after about 10 years exclusive on LineageOS ). I actually bought a pixel to have Graphene as a way out of vendor ROMs again, but I still don't have the energy to switch (alone reregistration all those TAN apps takes ages often involving waiting weeks for stupi snail mail activation letters)
I don't even have Google Wallet installed anymore.
Otherwise, vote with your wallet wherever possible and prefer those businesses that do accept cash.
I'm glad the option is still there in most places, but it's clear most people don't actually care for cash (neither do I for that matter, other than as a backup solution).