Now, if the application provider chooses not to support the alternatives, I'd argue that's on the app provider (the bank and gov apps). And again, perhaps the best thing is to NOT USE THOSE KINDS OF APPS ON A PHONE. I am very concerned that people are essentially locked out of essential services if they don't have a smartphone and a working SIM card. After all "the best way to repeal an imperfect law is to enforce it perfectly."
I'm not Nostradamus; but I'm hopeful that if Google goes down this path that it will hasten the end of a wide variety of error modes in the world. Of course that may be putting a little too much faith in neoliberal capitalism, to come up with alternatives that aren't smothered in the cradle.
If WEI is implemented, we will get the combo package.