Check LineageOS build support before you buy a phone.
Check Linux distro support before you buy a laptop.
Check postmarketOS support before you throw things away.
There is options, and they work fairly well. It's just that you have to compromise on convenience for it. And convenience is the most monetary exploited weakness in human behaviors.
And there is generally nothing scandalous about it: I pay someone to mown the lawn when I cannot be bothered to do it myself.
The problem is that one side of the deal is being exploitative on other levels. One day the gardener shows up and cuts your phone line, because now you can only use the phone company he likes; then every 10 minutes he tells you that he also does home renovations; one day he digs a trench so that the garden can be square, since he has decided he only works with square gardens; then he starts applying a surcharge if the grass grows too quickly. And so on and so forth. You could use another gardener, but there are only two of them in town and they both pull the same stunts.
Are you sure? The amount of Android devices being released with support for bootloader unlocking is shrinking every year, and even if you find a phone you like that supports it, good luck getting your bank's app to run on it after doing it.
Companies like Google and Apple are doing everything they can to force people to use locked down devices they don't control, and PCs are slowly moving in that direction as well.