if that occurs, is that really of microsoft's doing, or of the government and all the other companies that are complicit? I can plausibly imagine a future where microsoft stays its course (ie. it doesn't lock down the x86 platform), but companies still force you to use locked down devices by forcing you to use mobile apps to do online banking. You already sort of see this with messaging apps, where a few (eg. signal) are mobile-only.
Signal has clients for Windows, Mac, and GNU/Linux.
But the general point is taken. For example my HOA requires payment via Zelle, and my bank requires that I use their mobile app to make Zelle payments. I can still run their app on CalyxOS just fine via microG, but I feel like microG is something Google would find a way to shut down if it were to hit some critical mass of adoption.