alt Hacker NewsNo, for the key to being able to participate in modern society. Without a Google account, you can't use (standard) Android. Without either (standard) Android or iOS, you de facto can't use most banks, some public transit networks, and various other utility-level services.
You can have a Yahoo account, a Hotmail account, a ProtonMail account. You can go to your bank in person or without an app. I would be less surprised to learn that a bank does not have an app than I would be to learn they do not have a website.