Switching from Android to Apple is really smart lol.
Why would you even switch from a pretty much open system to a fully closed one (even with the things the EU forces Apple to do)?
(This questions excludes Linux OSs on smartphones)

Web browsers exist still, though some particularly shitty sites don't even have a mobile web view these days.

Yep, and my bank just announced that they're getting rid of the web portal at the end of the year. It's app only from then on. And their app already didn't work on my rooted phone. This will just be a more constraining restriction.

I can change banks, but it's a sign of things to come.

Not if you want your banking app to work, or some other apps that require you to have the “certified” os on your phone. If I have to stop using these apps, I might as well go back to a dumbphone.

I would rather stop using apps that require this bullshit than give up the literal pocket computer that's powerful enough to do damn near whatever I want with it. I make my phone my bitch and I intend to keep it that way.

Banking apps that require this aren't worthy of being installed. Just use their website. Banks still have websites.

Luckily, I don't have any day-to-day services that require I use an app.

My bank currently works but in the past it hasnt and the website worked just fine for the period of time the app didnt work.

I used Magisk for that on LineageOS

My Bank works even without microG or some other Google supplement. It does show a warning on the initial boot that it might not, but it does. They also do not require to have the app, but its still nice to have.