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I'm happy with grapheneOS as a daily driver. Can you elaborate on being banned from paypal so I don't do the same ?

I use the PayPal app with Tap-to-pay on GrapheneOS and I haven't been banned.

But of course that's entirely up to how their algorithm happens to feel about you.

I mean you're not degoogling yourself if you put all your transactions through a google server. Cash if possible, card if not.

(Also it is possible to do these things if you root your phone, but caries its own risks and I wouldn't recommend. Ending your dependency on third party processors is probably the best outcome)

If you don't use the paypal app, you should be fine, right?