Android shouldn't be considered Open Source anymore, since source code is published in batches and only part of the system is open, with more and more apps going behind the Google ecosystem itself.
Maybe it's time for a third large phone OS, whether it comes from China getting fed up with the US and Google's shenanigans (Huawei has HarmonyOS but it's not open) or some "GNU/Linux" touch version that has a serious ecosystem. Especially when more and more apps and services are "mobile-first" or "mobile-only" like banking.
In US, for example, their addresses are classified as Commercial Mail Receiving Agencies, and have a "Commercial" address designator. USPS has an API for that. If you get a bank to accept this address somehow, then the next trouble comes - they're gonna ask for utility bill for address verification and you can't have any utility bills for it.