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How are you not blocked by banking, shopping, even sometimes google search?

Just change servers. Never had a problem with any of those and I have a VPN on my router covering all devices.

Use Brave search instead, Google search has terrible a privacy policy.

Bank is only reason why I'm turning VPN off, but it's for a few minutes. So not so much tracking.

There are inconveniences, but some protection is better than no protection. Trying to protect your privacy online is not a zero-sum game.