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Nothing Phone builds a blue bubble iMessage bridge while Google and Apple fight over RCS
(www.androidcentral.com)
This is a most excellent place for technology news and articles.
Doesn't help much in terms of privacy. But still is very important. https://www.gnu.org/philosophy/who-does-that-server-really-serve.html
For a bank or any system you would not have control over anyway, it does not have to be open, only the client software you run on your computer should be. But messaging, document editing (like Google Docs), etc. are personal tasks that could be done via a local program, so a remote program should be give you freedom from it's provider.