> MFA to be a measure against you

Not really, unless the MFA involves the same type of attestation involved in the process. TOTP is fine, and you can put it in your password manager to avoid phones, and can be done without consenting to any spying. And I don't really own the account anyway.

> use their physical cards

The premise of this discussion is these will get replaced by the hostile phone app, since the Europeans are too lazy to make a proper replacement.

> locking down infotainment systems

I don't agree with that either, but you can presumably buy a car without one, and you'd still be allowed to drive. What if the government says, you can't drive anymore UNLESS you use the locked down infotainment system and consent to all the ads/spying that comes with it?