Indeed, it is just as unfair no matter if 1%, 55% or 99.99% of the affected population has one. Your operating system should be a choice.

1. By doing this, the EU is killing any alternative operating systems for phones: no one will switch to one if they can't access online services. Banks are already making it extremely hard.

2. Google and Apple might be better regarded than Huawei, but they are not moral (or they are not guaranteed to remain so).

3. The very idea of a de facto state-enforced monopoly on operating systems is outrageous.

How is that different from having a banking app installed? Or a government ID app?

I don't think it's going to be any more convincing with that. At this point anyone I encounter in "normal" life already assumes that I and everyone else has and primarily uses a Google or Apple account.