I love FDroid but no way in hell is my banking app going open source and uploading there. I can use the website instead of the app but I doubt that’s the case for everyone.

Sadly best I have are posts by people claiming to have worked for HMD Global, talking about planned obsolescence by slowing down the phones intentionally. While I’m not really sure Google is doing it too, the experiments with old wiped android devices seem to point that way.