That is a situation where I'd move bank, use an iPhone or just allow GServices on my device.
There is certainly a point where you just need to be pragmatic above all else. Otherwise, you can still reduce your interactions with their other services as much as possible.
In my case, unofficial communication channel for college/school/job. You can handle it just with offical email and classes or phone but since everyone is on 1 app and basically no one on any other you loose out anything which is not necessary but not helpful. And goodluck convincing a non tech boss or several profs to switch. This is kinda the issue with network effects.
We used yo have laws..
And opting out is literslly impossible, there are people and authorities i -have-to- communicate with, and its impossible outside those platforms