Forever, honestly. I don't see things actually becoming as closed as you predict. I will avoid banks that require me to do any of that (I already don't use any that report to credit agencies, avoiding ones that don't work on the web browser is much easier). There is about 1 site I use that uses the google captcha and that is archive.today, I will swiftly stop using it if I can't use it with open software, and I doubt they would keep it around in that case anyway.