I've used GrapheneOS for years now and it is the easiest-to-use, lowest friction privacy oriented software I've interacted with.

I'm not sure why one banking app not working would be a deal breaker (Can you not live without that specific banking app?) or why things being "digital-first" would be an issue (Are you talking about a government app not working?). The only people I think that it isn't practical for are those that need a specific dual factor authentication app for their job that doesn't work on it or someone that uses there phone for their business as a payment processor that requires an app that doesn't work on it. Otherwise it's kinda install it and forget about it, which is how I wish more privacy focused software worked.