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The comparison is not valid. For example my phones use Android, but I do not have a Google account. There exists no legal action that could be done by Google and that could influence anything that I am using my phone for. On the other hand, if Visa and Mastercard would decide to not let me buy something, that would be very bad for me, because I buy almost nothing with cash and most things that interest me could not b…
For a common person, Google/Apple cartel is about as much unavoidable as Visa/MC one. You are one of the very few exceptions - just as there are surely exceptional people who can do financial transactions that avoid Visa/MC. Society is not math or computer science where existence of one counterexample makes things invalid. Society is a thing of ratios and percentages. If something is almost impossible for most people…
I do not need extra apps from the Google Store, because all the phones that I buy do the things that I need, e.g. voice calls, SMS messages, Internet browsing, photo/video recording, document reading, etc., without needing to install anything else. Things like Google Maps can be accessed in the browser, there is no need for an app.
So it is not difficult to avoid Google.
To avoid Visa and MC, one would need exceptional connections, because most online shops do not accept other methods of payment and it would not be easy to convince them to create a special method for you.
I choose wire transfers whenever I can instead of credit cards. For payments within the country there are no fees, but for payments to other countries, the fees are larger than for credit cards and the vendors are less likely to have wire transfers as an alternative method of payment.