wbchunx I did have play services installed in the profile of the banking app, although I did install after the app install, I've no idea if that makes a difference.
Maybe try clearing the cache and the data off the app and see if this changes anything.
If not install play services and play store (since they can depend on each other) maybe this will help.
If not try enabling exploit protection compatibility mode. (Long press on the app -> app settings)
Sry if all of these dont work, then i dont know, maybe someone else knows more.
(i mean you can also try the owner profile thing ofc)
And considering that apps you are using, a likely to collect some data anyway (microsft, amazon, and meta), i feel like it would be unreasonable for you to try to remove google play services.
If you want more privacy, then you would gain this by looking for alternartives for these.
Sry i dont know an anwer to the other questions in your initial post.
(also as far as i am aware, it is recommended to only use vanadium, since it is the safest browser)