Right. It’s always going to be an arms race that isn’t going to get easier as Google announces the next version will require Play Services & Play Store. Maybe someone will find a workaround, but there will be constant downtime in between these gaps. You’d think they would allow someone technically savvy enough to pass as they are probably rooted/custom ROM for a reason… but no.
I’ve since switched to carrying a separate credit-card-sized apparatus for payments. It’s called a debit card + bank notes folded over. Transfers, I use their ancient website that detects Netscape Navigator 4 & disables paste & their encoding doesn’t allow English punctuation, but it works in a pinch. The hard part will be pushing against cashless as the banks & government want all the reporting/data collection—something customers & vendors aren’t the keenest towards but ultimately I think would acquiesce under enough pressure which I am fearful of.