This is only true of ye olde apps from shitty banks and the like.

>You need it more and more to run apps.

Realistically nobody is developing apps for linux phones, so the options are android or no apps at all.

Strange, I've been using it for about 15 years on many different devices and it works just fine. Maybe that is related to the fact that I tend to shun closed-source applications whenever possible? The few closed-source apps I do use - Swedish BankID, Deutsche Bahn 'Navigator', Dutch DigiD - also work as intended even though some of them - mostly the Swedish BankID - claim they 'need Google Services to work'. Click away the popup and it works just fine without it so that is clearly not true. On some devices I installed microG to see whether it does what they claim but while this seems to be the case I don't think it is needed for those keeping their devices mostly free from proprietary applications. This is not a hardship, far from it. Nearly all the types of applications I want to use are available as free software which also tends to make them ad-free, spyware-free and generally less of a nuisance than proprietary alternatives.