Problem is the hardware vendors often very much like closed systems. And banking apps too. We sadly have a much less open hardware ecosystem compared to the PC landscape. And even here driver problems are more pronounced the more exotic the OS platform.

For me mobile OS are a broken mess, irrespective of Apple or Google, so I would love to have an alternative. Mobile phones are powerful devices that are severely handicapped by bad software. Restrictions are sold as security and there are a lot of people that even buy into these crap argument. So much so that even legislation has adopted them to some degree.

But for hardware vendors to jump on another train, a new OS must probably offer something shiny. And the average user has no idea how easy it could be to interface your smartphone with other devices without needing some ad riddled vendor specific apps. I mean you can install an ssh client on your phone, but meh... That is more or less the only app I install these days.