Great point about bank apps.
Thankfully I never got in the habit of tap to pay with my phone.
The amount of data that bank apps want to slurp up in the name of "security" makes me uncomfortable, anyway.
I just bank via web browser, today.
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Nice. That is what I did, at first, as well.
One thing I discovered is that the vast majority of 2FA uses a shared open standard. I was able to cut way down on the count of 2FA apps I had to install, and just use Aegis for almost everything.
Aegis runs fine on GrapheneOS, too.