The fun aspect to this is that some banks have forced customers to use an Android for all their banking ops. So:
① You’re late paying a bill
② Creditor locks your phone
③ You cannot access your bank to make the payment because your phone is locked
Brilliant.
Isn’t this more easily fixed?
$ adb shell 'pm disable --user 13 com.google.android.gms'
grapheneOS and the like might work for the OP and anyone with a mainstream phone, but there are a lot of unsupported cheap obscure phones which are stuck with stock Android.