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We can have devices in our pockets that give directions without Apple, Facebook or Google. OSMAnd maps does that very well, hell it has far more details than even Google Maps. I can spot where individual park benches are and all sorts of meaningless yet somehow joyfully pointless landmarks.
I've run an Android phone without Google Play Services for several years now, and haven't missed out on anything much more than Google Pay (which I really question the need most people claim towards).
FYI, contactless card purchases are treated as "cardholder not present", which is akin to an old telephone catalogue purchase. As far as the bank is concerned, when you transact this way the seller accepts default responsibility for a faulty purchase. If you use Google/Apple Pay, or Chip & PIN, then the buyer takes responsibility via their PIN or their phone password. So using these services actually puts you on the back foot when it comes to exercising your consumer rights.