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and you are welcome to buy a hackable tablet to run a browser or desktop app and use that for all your comms. This is not how most people work though :)

The far far worse issue is that public utilities (i.e. governments) and entities like banks force you to use an app only available through one of 2 privately owned distribution channels to interact with them. IMO this is a far worse and pervasive issue than phones being locked hardware.

[array_key_first]

You're actually not free to do that, because of arbitrary limitations created to siphon more money from your pocket.

And I agree that number 2 is worse, but it doesn't mean that phones being locked is chill so long as banks give you a Windows app.

No, it's still bad. They're general computation devices. I don't care what anyone says - they're not a washing machine. They're indistinguishable in hardware from any other general purpose computer.