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> how do you deal with the seeming need for a phone with secure chip for the endless banking and two factor apps?
I've been without a smartphone for about two years now and would not go back (although sometimes tempted by the false promise that a shiny new product will bring happiness).
It's easy, you just don't treat your phone as secure, do banking on a computer, along with email.
2FA is not magic, it's just another password. Just a password manager like pass [0] can generate 2FA codes, but it's easy enough to do with oathtool [1] that I wrote my own password manager.
[0] https://www.passwordstore.org