The level of comfort, or rather lack thereof, you're fine with dictates how you'll use your devices. Privacy is mandatory to me, so every app that refuses to work with my setup gets the boot. Banking is done in the browser with a separate PIN device. The moment the device gets discontinued I'll go back to paper or phone like an old person. FOSS apps are FOSS and will break because they don't have millions of ad money to fund development. I know that and learned to accept that fixing setups is part of my digital life. That's just one end of the spectrum though. Everyone needs to find their balance with privacy to avoid getting fed up by it.

I posted this before when another user posted a similar problem. Obviously yours is particular with google so some parts may not apply, but the gist is that you need to figure out your threat model.

You need to step back and review your threat model, then figure out the balance point between privacy and convenience/QoL. There is no such thing as complete privacy unless you go completely offline and live like a hermit. So something has to give, and your threat model will help you identify that. Figure out first what exactly you’re protecting, and from who. Then you can assess which ones you will deem non-negotiable when it comes to privacy, some where you can relax a bit in exchange for covenience (and this has levels as well), and lastly the ones where you have no choice because blocking something will make it cease to function. Having this threat model will also help you figure out what extent you would want to expose yourself depending on the service. Don’t put everything into the same tier because that will be impossible. Good luck.

I'm using GrapheneOS, and suprising amount of apps (including my bank app) works without Google Services. And if there's something I need for work that doesn't work without them, I have another profile with sandboxed Google play (which isn't enabled on my main profile), and use the app there, where it's separated from all of my data. No need to root my phone, and so far it worked great.

As for sharing your Nextcloud stuff, what I did was for services that need to be public, I just got a cheap (like, few dollars per year) domain and use Cloudflare Tunnel (Cloudflared). It handles all port forwarding for you, and you don't have to make anything public on your router - just install cloudflared on the server and have it forward the port you want to your domain. You can also set up geoblocking and ACL pretty easily, so it's perfect for that.

I've however recently moved to using ZeroTier, because it has a nice mobile VPN app, so I just run zerotier (it's literally two commands to install and join a network) on my server, and if I need to access something there I just launch it on my phone and connect through ZeroTier. This, however, won't help if you want to share stuff from your server with others, since they'd have to install a ZeroTier client and also join your network. For Jellyfin, Nextcloud and Sunshine, though, it's amazing.

And if that still feels like too much hassle for you, I'd recommend looking into Proton Drive. I'd consider that one of the best hassle-free alternatives to GDrive, which launched recently.

Any amount is more than nothing. Privacy isn't a zero sum game

Ultimately there are always going to be people who don't have smartphones or computers, so society (including things which are currently almost mandatory to participate in society, like being able to bank) should be accessible to these people. If it's accessible for them, it's also accessible to people with smartphones or computers who have just removed the spyware from them.

I don't do mobile banking; I just bank from my desktop browser. Not sure if this is an option for you or not, but I would have thought that online banking in the web browser should be even more common than having a mobile app for it.

Not sure what you mean by "home brokers" blocking you but if you mean their wifi blocks you, I've experienced that too on GrapheneOS but have found that VPNs allow me to use pretty much any public wifi.

Does your government app have a web alternative? If not that seems incredibly discriminatory against people who don't have smartphones. If it has a web alternative but doesn't work with any particular privacy settings, do you have a local library with computers you can use?

I'm about 4-5 years from where I started to self host things. I went through a raspberry, minipc and now I built a small rack where I have a custom built PC where I self host things. Is it a pain in the ass to start without anyone teaching you? YES. I spent a lot of time trying, testing, failing and retrying, but it was a nice trip, I learnt a ton of things and a lot of things I'll learn, I'm still definitively not an expert but I'm improving myself.

I tried (more than one time) nextcloud and I've definitively not liked it. I tried filebrowser which is more near to my use case, than I finished choosing a WebDAV instance using apache, it is perfect for my use-case, compatible with my windows job-pc and mounted perfectly from my LineageOS Android phone.

I've LineageOS without microG and any google thing at all; all I need is self hosted and available through a custom domain and/or through a VPN I self host. 90% of my apps are Foss.

My bank app works great without an official Android OS ( I didn't root my phone).

It's all about the amount of time you can invest through it:

• A lot of time: learn about self host, try the available solutions and choose which one fit your use-case
• Some time: find available solutions that don't require you to do anything (like proton drive, private nextcloud instances etc...)
• No time: use Google.

If you need something, I have some free space on my server that you can use (don't trust me or anyone else, use it by thinking).

Don't give up!

I have a powerful homelab and a phone with zero proprietary software. There are some sacrifices but ever since I let go of dependence on proprietary software I am much happier.

Then don't. It's that simple. It is impossible to live a 100% private life, you have to value your own time and enjoyment.

For banking, can you use a browser instead of the app?

I do very little banking through my phone - what's there to do?

There are some browsers that support sites-as-an-app, such as Cromite and Hermit, that may solve this issue.

Dont root your phone

I think the best thing for cases like this is to see if the applications you want to use allow you to do what you want to do just using the web browser. Oftentimes there's a progressive web act that will function well enough, or the desktop site can be accessed on mobile with enough function to make it through.

Can you do your banking through their website? Can that government app be used similarly through desktop?

What do you say? Am I too lazy or it is unpractical to stay away from big tech?

Laziness is what the surveillance advertisers are exploiting. It is everyone’s duty to resist the tyranny of convenience that Tim Wu articulates in a famous essay.

After a year I'm starting to think that maybe my data is not worth the hassle just to keep big tech out of my digital life.. I guess Big Brother wins

Think of it as boycotting. Exposure of your personal data may not be worth the effort of protecting it, but the big picture is that privacy seekers are not just looking for confidentiality. Privacy is about power and agency. You are exercising your right to boycott a harmful entity. Boycotts are no longer simply a matter of not handing money over, because data is worth money. So boycotting now entails not handing your data over. Giving Google your data feeds Google’s profits.

So you are really asking, “should I give up the boycott”? The answer is no, because the boycott is not just a duty to yourself; it’s a duty everyone benefits from (except Google).

I self host a nextcloud service on my old desktop that serves as a server but every now and then the updates crash something. Sharing calendar and notes is too complicated if you don’t have a vps or a domain.

Self hosting is a pain imo. You can pay a small cloud provider with nextcloud. There is a middle ground between big tech and self hosting.

@fernandu00 I am out of #Google myself and my whole family too. I managed to replace all Google stuff with FOSS apps. I have a separate tablet for banking only which has all the usual Google setup but I use it like once a week to pay bills. For small daily banking I use Revolut.com - their app is working fine with all my degoogled devices - both rooted and unrooted. @protonprivacy services replace most of #Google apps that people use and the rest you can find on https://f-droid.org

I just have 2 extra profiles besides my main one (which has absolutely nothing proprietary), 1 for financial apps and another profile for my work apps. This allows me to keep the financial profile off until I needed, and the work profile active during work hours. The rest of the time, I'm away from al that proprietary crap.

After a while you will find that you really don't need most, if not all of it. But the disconnect does take time.

I think we have to persist. Make our statement and presence. Let banks know. Let everybody know there are people who care. Each day we are more. One day we will be many.

It is. People do it because they enjoy the process or they drank too much of the cool aid.

Hot take: All you are doing by de googling yourself is denying you the conforts and conveniences Google spends time and money developing.

The other commenters in this thread seems to be giving you good advice and moral support, so I'm just going to give my input which comes from a perspective that's a bit different.

Sometimes especially when the options we have are contrary to our beliefs, we have to consider if we really need to be a part of it. Sometimes the burden is the smartphone itself. I don't use smartphones and I couldn't be happier, somehow my life didn't end. The last one I had was the N900 and even though it was a pretty cool pocketcomputer, I guess it's now been around 10 years since I last had a smartphone. I don't miss it and especially not when I see other people who have one. It's scary so addictive it seems to be. Pen and paper for data sharing and just calling people can accomplish many tasks.

Old people with bad eyesight also need banking, so I'd hope theres a bank out there who don't require a smartphone. In my country banks use the national id for authentication and you can get a TOTP keychain for the 2FA instead of an app, perhabs similar options exist.

Anyway, I hope you find something that works for you. Life is a process.

Not really a answer to your question but I thought it might help.

I tried the next cloud setup since I already self-host a bunch. And I didn't like it. Like you said updates can mess it up and sharing is annoying. Just in general it was buggy for me.

So I switched to proton. Which even though is hosted on someone else computer, it feels plenty private to me with the E2E encryption. I use proton drive which is easy to share things just like google drive. I use proton Calendar. And I use proton Email. Its slow progress but proton really seems to be fully replacing google for me. They even just added live collaboration to drive. Which was like the one thing I still use google drive for sometimes.

Are there any banks that support FIDO2 in Europe already? I'm so sick of SMS or other shenanigans.

I don't have a phone that supports any of the foss android versions but I have been making due without a google account and free app stores (f-droid + obtainium which is great). That will have to do. I'd love much better privacy but it is too much work. I also do relatively little with my smartphone.

I use and older phone for banking, stock firmware as updated as it can be. VPN connection, no SIM, powered on just for transactions. Still, my bank requires a location for every transaction, supposedly by law. In the beginning I thought I should spoof the location to a fixed one, but I'm tired of this shit, too. It feels like it's impossible to just be in peace, at the same time, apps are being used to rob clueless people their savings and to discriminate, alienate elder people.