The banking requirements and regulations for any fiat-dealing business kills any prospects for decentralization or even open source.

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categorically untrue

I would like to be wrong, so are there examples of banking apps/libraries that are open source? One that connects directly to my bank without need for a 3rd party money transmitter middleman? Any money transmitter apps/libraries that are open source?

viable open source hardware is essentially nonexistent .

let's just start with their web site

go take a look

like i said the fiat handling is its own beast

you are spot on re:fiat

open souce comment is where issue is