I don't have the option of using a physical card. Neo banking in Canada is a bit of a joke.

The other drawback of GrapheneOS is the camera app has struggled immensely to keep up with stock Android.

I presume it is better now, but when I used GrapheneOS it was horrible. There was a time where you couldn't even take pictures.

It is a tough sell to get people to unlock the bootloader of your $1000 phone only for their phone to half work.