I'm not sure what the point of the post is? Is it to share frustration? Searching for a solution? Sorry, I may be not good at inferring this, but I don't get it.

IF you are in solution-finding mode, then there are a few things that you can do.

1. You can use those banks that work without google. I've found 2 in the Netherlands, for example. One of them stopped working a while ago, I've wrote about that to their support and had to discontinue, withdrawing all my funds using a Dutch procedure for full withdrawal from a bank. After half a year or so I've noticed they've fixed it and work without google again. I've returned as well (it's convenient for me to have 2 banks). I'm sure as hell banks watch for their usage statistics and wouldn't like seeing people leave their bank if it can be fixed with a simple reversal of whatever the dev team did lately.
2. You could try Linux phones such as PinePhone to see which use cases can it already cover. 30%? 70%? 90%? You'll know what to even wait for in the Linux landscape to be able to switch. You'll get a bit of power or mental control if you acquire this knowledge.
3. Funnily, you can expect some good news coming from all those fights between US and China, because that makes a LOT of devices ship without google services. And some people in your county (I assume it's not China, otherwise you wouldn't have these problems) may have phones bought there, so you won't be alone when pushing for such changes.

Maybe postmarketOS?

I only use Lineage and have done so for years without any problems since CyanogenMod 10.1.

Do remember that it is the choice of the developers to use google services and nothing to do with google.

When you say "Le Chat", do you mean Mistral AI assistant/chatbot? Its probably stopped working since GPT‑5.

Currently it is not possible to run "Le Chat" ai on a phone without google,

Again its the devopers choice. They could develop a non-google Le Chat.

who on earth needs a chatbot on a phone?

I have never have any problems finding open source alternative apps.

MAPS: Comaps, Organic Maps and MagicEarth, all provide Turn by Turn navigation

https://en.wikipedia.org/wiki/Turn-by-turn_navigation

I dont use any Banking Apps. Why do you need a banking app? I login to my bank in the comfort and safety of my home.

Lineage:

https://wiki.lineageos.org/devices/

If you must use google try E/OS. It Uses MicroG and works very well.

microG is a FLOSS implementation of Google play services

https://doc.e.foundation/

Le Chat is just a frontend for Mistral. There are a ton of free web UIs one can use for chat instead, like (ironically) Google AI Studio, Deepseek, Z AI. Or openrouter if you’re willing to pay for a bit of privacy. Or kobold lite. Or your own self hosted Open Web UI instance.

I use Shelter to enable the work profile. It permits to copy apps between standard and work profile. So it is possible to have google services (with an account set I mean) in the work profile.

Apps like for Banks can't be copied though. But most of the others can.

Keep in mind GMS does not need to run as a system app. On GrapheneOS it does not.

At least for me only about 15% of my apps need GMS and I only run GMS in my private space which most of the time I lock.

So yes I do not like needing GMS but it is not so doom and gloom.

Yeah, stop using shitty googol.

I keep my old smartphone precisely so I can install banking apps and other annoyances.

Feel free to track the burner phone that stays on the same location, turns on once a week, is got tape on the cameras and never uses the browser.

Realistically, change your approach to how you use your phone.

A majority of apps are not actually apps. They are a web app packaged in an apk so they can get elevated permissions and more data. Dont download apps, instead just install them from your browser as the web app they are. This is far more secure and far less invasive as generally a web app is containerized, at least thats my understanding in regards to firefox.

Instead of google maps, explore the world of open source navigation apps. Osmand has worked great for me, and tends to provide better info so im not panic merging at the last second. Theres a lot of them out there, and google maps has stagnated for so long that many of them are caught up in features. While its not open source, ive sesn a lot of people praise Magic Earth as well.

Buy phones on the premise of being allowed to use a custom rom. As much as i dont want a pixel because it is google, graphene os is battle tested and much more secure than stock android. But theres also lineage OS, eOS, and a few others out there.

If you need google play services, containerize it. I keep all apps i dont want having special permissions on a work profile. Funnily, i also keep my work apps on that profile, so if google wants my works data then they can handle the lawsuit if something bad happens lol.

I think a lot of people have forgotten that phones are tiny computers. The only real difference is the cell network, but we already have devices that can use those networks that arent phones, so it isnt an exclusive feature to phones. Android can be forked, but also we can emulate android on linux and there are already linux phones out there. If we grow the linux space for phones, then we effectively lose nothing of value while gaining increased freedom. For now, change how you use your phone, and only download apps if you have no other choice.

Mainline linux on mobile is solving this problem as we speak: https://postmarketos.org/

I expect a full collapse of the Google Android behemoth about the same time we get Half Life 3.

Would “containerizing” GMS in Android ever be possible? Like it’s running in a docker instance, almost.