We should have the ability to run any code we want on hardware we own

For example, by bank (abn amro) still allows online banking on desktop via a physical auth device, but they are actively pushing for login only via their app. I called their support line for a lost card, and had to go through to second level support because I didn't have the app. If they get their way, eventually an apple or google account will be mandatory to have a bank account with them.

My kid goes to a school that outsourced all communication via an app. They have a web version, but it's barely usable. The app doesn't run without certain google libs installed. Again, to participate in school communication about my kid effectively requires an apple or google account.

I feel like the conversation we should be having is that we are sleepwalking into a world where to participate in society you must have an account with either apple or google. If you decide you don't want a relationship with either of those companies you will be extremely disadvantaged.

This won't work out for you. It just turns into technically being able to, but it being practically impossible. In Sweden (i.e. basically your future), we're already there.

Then we have another problem. Cashlessness. There are fewer and fewer places that accept cash for payment and even if they do some of them won't have change (since it's so rare that other people are paying in cash).

I have a friend now who was cut off from the BankID (and thus cashless) system and it's quite a struggle for him. He has to constantly have other people (i.e. us) do things for him, or drive 40km to one city or another during specific hours to do things (since all the local outlets for everything closed since 99% of people do 99% of everything online now).