Windows Phone was a great idea and worked so well. But it was killed by the fact that people didn't want to maintain apps for 3 platforms. Nowadays when most of the things runs on web/electron anyway, isn't this the time to rediscover that idea?
Make something novel? RTOS like response like blackberry, secure, fully opensource and such? With the era of LLM accelerated developement (don't crucify me), this wouldn't be such unreachable goal.
We would have to sacrifice bank apps but imho still worth it.
We should be eagerly sacrificing bank apps anyway. If your bank treats you with hostility, time to get a new bank.
With that thinking you are debanked. No bank is not hostile.
Thanksfully it is not all web. Though indeed there is no lack of native multiplaform solutions.
But app is not the hardest challenge compared to supporting all the hardware, camera, screens and the many core protocols