Nextcloud fills a lot of the hole. I still use Google as little as I can, but I was bumping into apps that were are hard requirement to do things. Banking apps (no seperate security device anymore), EV charger apps (old chargers don’t all have simple card payment) is just two classes.

We have a real issue here. The duopoly of Google and Apple is being reenforced by infrastructure requiring apps. Regulators need to wake up.