Accrescent, for those who don’t know, is an alternative android app store. They aim to compete directly with the play store, so unlike F-Droid they include both FOSS and proprietary apps. They are also very security focused. They’re still small but I find their approach interesting and their ambition worth supporting.
Unfortunately, as with many FOSS projects, funding is a challenge. If you believe they are worth supporting, please read this blog post.
Disclaimer: I’m not affiliated with the project in any way, just a fan trying to raise awareness.
As far as banking goes, you can do banking from the mobile website. You don’t need their proprietary garbage app that spies on you.
As for government authorization, there absolutely must be a way to do it without using a mobile app. Otherwise, how would senior citizens, etc… …tech illiterates, or people who don’t have devices, access government services. Governments especially have to have a way for everybody to do so.