There’s a crowdsourced list of compatible banking apps which could give you a hint. My banking app kept working.
What doesn’t work is face unlock and contactless payment.l, e.g. Google Wallet. For the latter there may be workarounds, but I didn’t care.







X Doubt. Things like S3 can also store massive amounts of data and still support backups or at least geo replication. It’s probably just a matter of cost.
Which is totally fine and reasonable? The problem isn’t the order to use the centralized cloud system, but that the system hasn’t been sufficiently secured against possible data loss.