When I choose not to use the App Store or the Play Store I'm basically locked out of online banking because almost all banks now require an app for 2FA which is

When I choose not to use the App Store or the Play Store I'm basically locked out of online banking because almost all banks now require an app for 2FA which is not available in those open source marketplaces. That's how powerful the duopoly of those two big tech companies is. When I have almost no choice but to use these stores the need to be regulated.