Smart phones are not personal computers. They're shopping/government/etc terminals. You don't and never have controlled them, even with root (re: tight integration of the baseband computer which only the telco has a license for, not you). Their best use re: computing is acting as wifi hotspot for their cell telco CNAT connection. The time to stop using them as computers is now, not when your local government passes these laws. Apple is already forcing it and Google has shown it's cards even if walked it back temporarily.
you are right, but you are misplacing the blame. it's not that you dont own your phone, it's that you dont own your bank account and the bank can dictate how you access it
Sounds dystopian. I hope projects like OsmocomBB and Purism Librem will shape the future
You don't own your PC either. All modern PCs have a Trusted Platform Module that the authorities can and will use to lock down PCs eventually. Multiplayer games are already using hardware attestation on PC for anti-cheat.