You need an apple account to use their store or? You can also use a different Google account (or account generally) for every app, on non botched stock android at least. You can also remove all apps with stock android, also Google apps. Samsung really skewed the view by shipping the worst possible android.

My Google account for my phone is just for that nothing else. My last phone cost $120 and lasted 6 years, it still works but doesn't run my banking app anymore. my current one was $250 and last for 2 years without issues already.