millions of people would like a word…
> Most things will work but it takes one critical service that doesn't have a viable workaround, and you're forced to buy (and possibly carry) a "mainstream" phone just for that.
Absolutely not, if there is “critical service” that requires an iPhone or Android you call an attorney.
> Banking, government, authentication, postal service and public transit apps are just some of the common categories that will, in the end, force you to use one of those systems, unless governments mandate viable alternatives.
There are now and there always will be alternatives
> As an individual, it feels like my options are to either submit or try to live a hermit's life, bringing endless suffering and exclusion to myself.
As an individual you can and should fight any system that forces you into buying a smartphone. Alternatives must exist even if they might be “incovenient” (e.g. have to do it browser vs. via some “App”)