>banks and the like have a say in how I choose to access their more convenient services

I disagree. I don't understand how it's fine that I can access my banking services with my Gentoo machine, with everything compiled from source by myself, but it's somehow a problem when I'm not using either Apple or Google certified OS on my phone.

I'm sure they want to prevent the first scenario, like various streaming cartels already do, but I hope something like EU throws a fit if they do.