I agree about the 2 phones; a "normie" phone that's already working with known data, and another that isn't.
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You can totally use Google Play Services on a different profile on the same GrapheneOS device.
Banking apps no idea, people still use banks? 😉 why not use a computer or web version for that?
My bank (and presumably others) requires their app with location services enabled in order to use Zelle, which is the least shitty way I've found to send fiat to people. 😮💨