Earlier quoted context omitted.
> I can get my photos scanned against a CSAM database... or I can have Google tracking my location constantly That's a false dichotomy. There are competitors offering various levels of maturity and functionality. Jolla exists, PinePhone, Xiaomi, Librem 5, dumb phones, POTS landline, no phone... And yes, Linux on the desktop is also a valid choice . It most likely won't track you either.
There's a reason why that's 98%+ of the market. There is a dichotomy between the two camps in the smartphone market, everyone else is fringe. On the fringe, good luck using banking apps, transit apps, vehicle rental apps, or other apps increasingly necessary and useful. I don't think you know what you are talking about when you mentioned Xiaomi as an option. That would be among the dumbest options you could possibly…
Tried that yesterday on CalyxOs with anonymous MicroG account and my banking app works fine. No problem with contactless nfc payments.