applications from the Play Store or App Store are something people have to get and use everyday
I haven't made the full switch to mobile Linux yet, but my Android phone has 0 proprietary apps besides the firmware and it's 100% usable
in my country, if you exclude browser-based banking no bank will work
Well, the question is why are you excluding web banking? While it's less convenient at times, banking apps collect every piece of info about you they possibly could collect, they try to prevent you from "messing" not only with the banking app, but with the phone itself - they are one of the most egregious cases of "normalized privacy invasion", so web banking is much preferable to banking apps. If you're allergic to webapps for some reason (which would be a very weird thing to say for someone who installs banking apps), fine, switch to a bank that allows doing operations via SMS (that's the only feature I miss from Sberbank).
the NFC / contactless payment system here requires either Apple Pay, Google Wallet or a proprietary app develop by a banking alliance
Why are you using contactless payment? Unsatisfied with the amount of data your bank collects, you want to give the same data to Apple/Google? What's the problem with just carrying a card with you? I genuinely don't understand. This certainly isn't a "100% unavoidable requirement", but just a fad you didn't even think whether you could do without
Govt provides electronic versions of your identity card, driving license and a ton of other cards related to the govt that also require an Android/iOS app they make...
That's absolutely true, which is egregious. You should petition your government to open-source those apps (public money = public code), you should reverse engineer those apps to get their functionality without the proprietary code (if they just show a barcode/qr code/picture, it's easy, but it gets harder if it uses NFC). Either way, this isn't something you "need", as carrying your documents around really isn't a problem... for me, anyway, YMMV I guess
Even something simple like setting up a TP-Link Tapo wireless security camera will require an app these days.
...first you buy an IoT device that connects to "the cloud", then you say you need proprietary software to access it. Of course you do, that's the kind of device you bought - the vast majority of IoT devices are made with zero regard to the user's privacy and security, to hackability or right to repair.
That said, it's very easy to find hackable devices if you do the bare minimum research. Examples from my home - Valetudo (FOSS robot vacuum firmware) on Viomi V2 Pro, Tasmota (ESP32 firmware) on an AiYaTo light bulb. This is not a problem with mobile Linux, but rather you choosing a device that's made to collect data from your phone.
In conclusion, everything you listed so far isn't a problem with mobile Linux, but a problem with your approach to software/hardware freedom. Chances are, you aren't a hacker, and by extension aren't a part of the target audience of a Linux phone. That's fine, but don't pretend there's some insurmountable barrier preventing anyone from using it - it's just that you don't need it. Waydroid exists, which makes all of the claims in your comment invalid (besides maybe banking apps which may detect Waydroid), but you won't consider Linux phones viable anyway - because, again, you don't need it.
good, now please remind me when and for what reason was Alan Turing killed?
now remind me what happened in Cuba in regards to LGBT over the past 50 years?
I stg some people are immune to dialectics
even if we take your position 100%, jailing LGBT people is not genocide in the slightest, your position just trivializes actual genocide (unless you mean Holodomor, which you should've mentioned, and which is absolutely not man-made and doesn't count as a genocide as such, even if you can criticize some of its surrounding policies)
you're probably one of the people who say "personality cult bad", yet you ascribe to Stalin the level of influence that could singlehandedly flip the modern Russian's outlook on one of the most polarizing topics in modern times 70 years after his death. Well, news flash, nobody has that kind of power. People act as "conductors" of objective historical forces, and Stalin was no exception, even the CIA said there was collective leadership in Stalin's time. Communism doesn't recognize "human rights" or any "universal" morals, so you have to scientifically analyze the LGBT movement to make a case for supporting it. Can you blame Stalin for not personally having done research into the gay question over 20 years before the word "gay" even appeared, during the WW2 and its preparatory phase? In order to answer a question, it must first be asked.
when people criticize Stalin in general, they criticize the objective forces he stood for - namely, the preservation of socialism by all means, in spite of countless wars. When Khruschev proclaimed destalinization, he also proclaimed "peaceful coexistence" with capitalist countries, he proclaimed the "state of the whole people" (as opposed to the dictatorship of the proletariat), and started the ball rolling towards the dissolution of the USSR. Of course, this too isn't a personal decision of Khruschev, but a manifestation of broader revisionism and opportunism in the party. This is the reason the Marxist-Leninist movement will continue defending Stalin's legacy.