I have no idea what to do when they lock everything up. I just hope my bank app works with a non google phone.

My HSA just implemented some bullshit where even the web interface requires a near-new phone to even log in. For now I'm just switching HSA providers rather than buying a new phone. I'm also worried about the future.

Wow, what are they checking for, newer OS?

Basically. It's just not built for any older OS.