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Do any of them even support stuff like banking apps? I haven't looked into it much personally because I always hear that you can't use critical apps like that on alternative OSes.
Both my banking apps work on graphene. There's a list of ones that work floating around.
On graphene, no issues for any current apps.
unfortunately I've not been able to get a single gig worker app to work with lineage, even with all the play services verification work arounds.
Yes, but it depends on your institution. My credit union has always supported custom ROMs, for example.
"Support" is the wrong word here.
As long as they don't intentionally sabotage use with custom ROMs, almost everything will work. Things that rely on Google's libraries/services might need MicroG or the like.
Do you have a non–antagonistic setting, maybe? Your vibe-coders should look into that upgrade.
Do I???
I use graphene and the banking app I use works fine (Revolut)
Mine did with Graphene and Lineage, bit they recently updated to "Verified Device" crap breaking Lineage. Graphene seems to have some sort of fix, though that could be broken later. Google is getting pretty damn evil.