The level of comfort, or rather lack thereof, you’re fine with dictates how you’ll use your devices. Privacy is mandatory to me, so every app that refuses to work with my setup gets the boot. Banking is done in the browser with a separate PIN device. The moment the device gets discontinued I’ll go back to paper or phone like an old person. FOSS apps are FOSS and will break because they don’t have millions of ad money to fund development. I know that and learned to accept that fixing setups is part of my digital life. That’s just one end of the spectrum though. Everyone needs to find their balance with privacy to avoid getting fed up by it.

I posted this before when another user posted a similar problem. Obviously yours is particular with google so some parts may not apply, but the gist is that you need to figure out your threat model.

You need to step back and review your threat model, then figure out the balance point between privacy and convenience/QoL. There is no such thing as complete privacy unless you go completely offline and live like a hermit. So something has to give, and your threat model will help you identify that. Figure out first what exactly you’re protecting, and from who. Then you can assess which ones you will deem non-negotiable when it comes to privacy, some where you can relax a bit in exchange for covenience (and this has levels as well), and lastly the ones where you have no choice because blocking something will make it cease to function. Having this threat model will also help you figure out what extent you would want to expose yourself depending on the service. Don’t put everything into the same tier because that will be impossible. Good luck.

I’m using GrapheneOS, and suprising amount of apps (including my bank app) works without Google Services. And if there’s something I need for work that doesn’t work without them, I have another profile with sandboxed Google play (which isn’t enabled on my main profile), and use the app there, where it’s separated from all of my data. No need to root my phone, and so far it worked great.

As for sharing your Nextcloud stuff, what I did was for services that need to be public, I just got a cheap (like, few dollars per year) domain and use Cloudflare Tunnel (Cloudflared). It handles all port forwarding for you, and you don’t have to make anything public on your router - just install cloudflared on the server and have it forward the port you want to your domain. You can also set up geoblocking and ACL pretty easily, so it’s perfect for that.

I’ve however recently moved to using ZeroTier, because it has a nice mobile VPN app, so I just run zerotier (it’s literally two commands to install and join a network) on my server, and if I need to access something there I just launch it on my phone and connect through ZeroTier. This, however, won’t help if you want to share stuff from your server with others, since they’d have to install a ZeroTier client and also join your network. For Jellyfin, Nextcloud and Sunshine, though, it’s amazing.

And if that still feels like too much hassle for you, I’d recommend looking into Proton Drive. I’d consider that one of the best hassle-free alternatives to GDrive, which launched recently.

Any amount is more than nothing. Privacy isn’t a zero sum game

Ultimately there are always going to be people who don’t have smartphones or computers, so society (including things which are currently almost mandatory to participate in society, like being able to bank) should be accessible to these people. If it’s accessible for them, it’s also accessible to people with smartphones or computers who have just removed the spyware from them.

I don’t do mobile banking; I just bank from my desktop browser. Not sure if this is an option for you or not, but I would have thought that online banking in the web browser should be even more common than having a mobile app for it.

Not sure what you mean by “home brokers” blocking you but if you mean their wifi blocks you, I’ve experienced that too on GrapheneOS but have found that VPNs allow me to use pretty much any public wifi.

Does your government app have a web alternative? If not that seems incredibly discriminatory against people who don’t have smartphones. If it has a web alternative but doesn’t work with any particular privacy settings, do you have a local library with computers you can use?

For banking, can you use a browser instead of the app?

I do very little banking through my phone - what’s there to do?

There are some browsers that support sites-as-an-app, such as Cromite and Hermit, that may solve this issue.

I’m about 4-5 years from where I started to self host things. I went through a raspberry, minipc and now I built a small rack where I have a custom built PC where I self host things. Is it a pain in the ass to start without anyone teaching you? YES. I spent a lot of time trying, testing, failing and retrying, but it was a nice trip, I learnt a ton of things and a lot of things I’ll learn, I’m still definitively not an expert but I’m improving myself.

I tried (more than one time) nextcloud and I’ve definitively not liked it. I tried filebrowser which is more near to my use case, than I finished choosing a WebDAV instance using apache, it is perfect for my use-case, compatible with my windows job-pc and mounted perfectly from my LineageOS Android phone.

I’ve LineageOS without microG and any google thing at all; all I need is self hosted and available through a custom domain and/or through a VPN I self host. 90% of my apps are Foss.

My bank app works great without an official Android OS ( I didn’t root my phone).

It’s all about the amount of time you can invest through it:

• A lot of time: learn about self host, try the available solutions and choose which one fit your use-case
• Some time: find available solutions that don’t require you to do anything (like proton drive, private nextcloud instances etc…)
• No time: use Google.

If you need something, I have some free space on my server that you can use (don’t trust me or anyone else, use it by thinking).

Don’t give up!

Then don’t. It’s that simple. It is impossible to live a 100% private life, you have to value your own time and enjoyment.

I have a powerful homelab and a phone with zero proprietary software. There are some sacrifices but ever since I let go of dependence on proprietary software I am much happier.

I think the best thing for cases like this is to see if the applications you want to use allow you to do what you want to do just using the web browser. Oftentimes there’s a progressive web act that will function well enough, or the desktop site can be accessed on mobile with enough function to make it through.

Can you do your banking through their website? Can that government app be used similarly through desktop?

I self host a nextcloud service on my old desktop that serves as a server but every now and then the updates crash something. Sharing calendar and notes is too complicated if you don’t have a vps or a domain.

Self hosting is a pain imo. You can pay a small cloud provider with nextcloud. There is a middle ground between big tech and self hosting.

Dont root your phone

This is why I have a degoogled phone and a googled phone. I carry them both around with me but any bank app, or other data harvesting app or necessity goes through that phone,so I may keep the majority of my stuff clean and free (as much as I can within my capabilities)

Do what your comfortable with that doesn’t impede on your life. i.e. you don’t need to dig a moat and put up barbed wire around your house, you can just close the curtains at night as a starting point.

FWIW Banking apps have always worked for me on grapheneos without any extra work.

Make a list of what data is important to you, and who has access to it, and if your comfortable with it. If not use privacy guides to select a new provider

• Emails - Gmail -> something else?
• Location - Google, Cell phone company -> (your degoogled so google shouldn’t have this)
• Search - Google -> ddg?
• Photos ?

etc, just do things that arn’t too much trouble and increase your privacy

It seems like a lot of things you want to do on your phone are unnecessary. Why not just use the banking websites in your browser at home? Why not just keep a paper calendar?