Banking and govt. on a cheap, locked Android. The rest (mail, calling?, SMS, web, on an unlocked Android). You'd need two SIMs, one for the banking/govt google play stuff, and one for the regular phone. My bank does support a physical reader device though. That may eliminate the main Google Play dependency. Open Android will still exists right? But it won't have the Play Store and Services. You could also download the APK on the official phone, then pull the APK off it and install that on the open phone. Won't work if the app requires play integrity, but I think there are alternatives for that. Pretty lame that this is needed, but I'm used to this crap anyway.