I'm also a big GrapheneOS user, but I'm lucky enough that my banking and authentication apps run fine on GrapheneOS, so no need for a second phone.
If they stopped, I think I would seriously consider swapping banks and whatever else instead of using a different OS.
There are enough non-shitty banks and credit unions, at least in the US, that you should be able to easily switch banks to a better one. They have no moat.